10-K

Large Accelerated Filer x

Accelerated Filer ¨

Non-Accelerated Filer ¨

Non-Accelerated Filer ¨

(Do not check if a smaller reporting company)

0001077428-16-000031.txt : 20160218 0001077428-16-000031.hdr.sgml : 20160218 20160218150135 ACCESSION NUMBER: 0001077428-16-000031 CONFORMED SUBMISSION TYPE: 10-K PUBLIC DOCUMENT COUNT: 121 CONFORMED PERIOD OF REPORT: 20151231 FILED AS OF DATE: 20160218 DATE AS OF CHANGE: 20160218 FILER: COMPANY DATA: COMPANY CONFORMED NAME: TEXAS CAPITAL BANCSHARES INC/TX CENTRAL INDEX KEY: 0001077428 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 752679109 FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-34657 FILM NUMBER: 161437241 BUSINESS ADDRESS: STREET 1: 2000 MCKINNEY AVE STREET 2: SUITE 700 CITY: DALLAS STATE: TX ZIP: 75201 BUSINESS PHONE: 2149326600 MAIL ADDRESS: STREET 1: 2000 MCKINNEY AVE STREET 2: SUITE 700 CITY: DALLAS STATE: TX ZIP: 75201 10-K 1 a12312015-10k.htm 10-K 10-K

Table of Contents

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-K



ý	Annual Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.

For the fiscal year ended December 31, 2015



¨	Transition Report pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934.

For the transition period from to

Commission file number 001-34657

TEXAS CAPITAL BANCSHARES, INC.

(Exact Name of Registrant as Specified in Its Charter)



Delaware		75-2679109
(State or other jurisdiction of incorporation or organization)		(I.R.S. Employer Identification Number)



2000 McKinney Avenue, Suite 700, Dallas, Texas, U.S.A.		75201
(Address of principal executive officers)		(Zip Code)

214/932-6600

(Registrant’s telephone number, including area code)

N/A

(Former Name, Former Address and Former Fiscal Year, if Changed Since Last Report)

Securities registered under Section 12(b) of the Exchange Act:

Common stock, par value $0.01 per share

(Title of class)

6.50% Non-Cumulative Perpetual Preferred Stock Series A, par value $0.01 per share

(Title of class)

Warrants to Purchase Common Stock (expiring January 16, 2019), par value $0.01 per share

(Title of class)

The Nasdaq Stock Market LLC

(Name of Exchange on Which Registered)

Securities registered under Section 12(g) of the Exchange Act: NONE

Indicate by check mark if the issuer is a well-known seasoned issuer pursuant to Section 13 or Section 15(d) of the Securities Act. Yes ý No ¨

Indicate by check mark if the issuer is not required to file reports pursuant to Section 13 or Section 15(d) of the Securities Act. Yes ¨ No ý

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Exchange Act during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ý 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 (Section 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files). Yes ý ¨ No

Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained herein, and will not be contained, to the best of registrant’s knowledge, in definitive proxy or information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K. ý

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

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

As of June 30, 2015, the last business day of the registrant’s most recently completed second fiscal quarter, the aggregate market value of the shares of common stock held by non-affiliates, based on the closing price per share of the registrant’s common stock as reported on The Nasdaq Global Select Market, was approximately $2,817,236,000. There were 45,885,829 shares of the registrant’s common stock outstanding on February 16, 2016.

Documents Incorporated by Reference

Portions of the registrant’s Proxy Statement relating to the 2016 Annual Meeting of Stockholders, which will be filed no later than April 7, 2016, are incorporated by reference into Part III of this Form 10-K.

Table of Contents

TABLE OF CONTENTS



PART I
Item 1.	Business	3
Item 1A.	Risk Factors	11
Item 1B.	Unresolved Staff Comments	22
Item 2.	Properties	24
Item 3.	Legal Proceedings	25
Item 4.	Mine Safety Disclosures	25

PART II
Item 5.	Market for Registrant’s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities	25
Item 6.	Selected Consolidated Financial Data	27
Item 7.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	29
Item 7A.	Quantitative and Qualitative Disclosure About Market Risk	53
Item 8.	Financial Statements and Supplementary Data	56
Item 9.	Changes in and Disagreements With Accountants on Accounting and Financial Disclosures	97
Item 9A.	Controls and Procedures	97
Item 9B.	Other Information	99

PART III
Item 10.	Directors, Executive Officers and Corporate Governance	99
Item 11.	Executive Compensation	99
Item 12.	Security Ownership of Certain Beneficial Owners and Management And Related Stockholder Matters	99
Item 13.	Certain Relationships and Related Transactions, and Director Independence	99
Item 14.	Principal Accounting Fees and Services	99

PART IV
Item 15.	Exhibits, Financial Statement Schedules	99

Table of Contents


ITEM 1.	BUSINESS

Background

The disclosures set forth in this item are qualified by Item 1A. Risk Factors and the section captioned “Forward-Looking Statements” in Item 7. Management’s Discussion and Analysis of Financial Condition and Results of Operations of this report and other cautionary statements set forth elsewhere in this report.

Texas Capital Bancshares, Inc. (“we”, “us” or the “Company”), a Delaware corporation organized in 1996, is the parent of Texas Capital Bank, National Association (the “Bank”). The Company is a registered bank holding company and a financial holding company.

The Bank is headquartered in Dallas, with primary banking offices in Austin, Dallas, Fort Worth, Houston and San Antonio, the five largest metropolitan areas of Texas. All of our business activities are conducted through the Bank. We have focused on organic growth, maintenance of credit quality and recruiting and retaining experienced bankers with strong personal and professional relationships in their communities.

We serve the needs of commercial businesses and successful professionals and entrepreneurs located in Texas as well as operate several lines of business serving a regional or national clientele of commercial borrowers. We are primarily a secured lender, with a majority of our loans being made to businesses headquartered or with operations in Texas. At the same time our national lines of business continue to provide specialized lending products to businesses throughout the United States. We have benefitted from the success of our business model since inception, producing strong loan growth and favorable loss experience amidst a challenging environment for banking nationally.

Growth History

We have grown substantially in both size and profitability since our formation. The table below sets forth data regarding the growth of key areas of our business from 2011 through 2015 (in thousands):



	December 31,
	2015		2014		2013		2012		2011
Loans held for sale	$	86,075	$	—	$	—	$	—	$	—
Loans held for investment, mortgage finance	4,966,276		4,102,125		2,784,265		3,175,272		2,080,081
Loans held for investment, net	11,745,674		10,154,887		8,486,603		6,785,837		5,572,764
Assets	18,909,139		15,905,713		11,720,064		10,540,844		8,137,618
Demand deposits	6,386,911		5,011,619		3,347,567		2,535,375		1,751,944
Total deposits	15,084,619		12,673,300		9,257,379		7,440,804		5,556,257
Stockholders’ equity	1,623,533		1,484,190		1,096,350		836,242		616,331

The following table provides information about the growth of our loans held for investment ("LHI") portfolio by type of loan from 2011 through 2015 (in thousands):



	December 31,
	2015		2014		2013		2012		2011
Commercial	$	6,672,631	$	5,869,219	$	5,020,565	$	4,106,419	$	3,275,150
Total real estate	4,990,914		4,223,532		3,409,427		2,630,390		2,241,670
Construction	1,851,717		1,416,405		1,262,905		737,637		422,026
Real estate term	3,139,197		2,807,127		2,146,522		1,892,753		1,819,644
Mortgage finance	4,966,276		4,102,125		2,784,265		3,175,272		2,080,081
Equipment leases	113,996		99,495		93,160		69,470		61,792
Consumer	25,323		19,699		15,350		19,493		24,822

Table of Contents

The Texas Market

The Texas market for banking services is highly competitive. Texas’ largest banking organizations are headquartered outside of Texas and are controlled by out-of-state organizations. We also compete with other providers of financial services, such as savings and loan associations, credit unions, consumer finance companies, securities firms, insurance companies, commercial finance and leasing companies, full service brokerage firms and discount brokerage firms. We believe that many middle market companies and successful professionals and entrepreneurs are interested in banking with a company headquartered in, and with decision-making authority based in, Texas and with established Texas bankers who have the expertise to act as trusted advisors to customers with regard to their banking needs.

Our banking centers in our target markets are served by experienced bankers with lending expertise in the specific industries found in their market areas and established community ties. We believe our Bank can offer customers more responsive and personalized service than our competitors. If we provide effective service to these customers, we believe we will be able to establish long-term relationships and provide multiple products to our customers, thereby enhancing our profitability.

National Lines of Business

While the Texas market continues to be central to the growth and success of our company, we have developed several lines of business, including our mortgage finance, mortgage correspondent aggregation, homebuilder finance, insurance premium finance and lender finance lines of business, that offer specialized loan and deposit products to businesses regionally and throughout the country. We believe this helps us mitigate our geographic concentration risk in Texas.

In the third quarter of 2015, we launched a correspondent lending program, mortgage correspondent aggregation ("MCA"), to complement our mortgage finance warehouse lending program. Through our MCA program we commit to purchase residential mortgage loans from independent correspondent lenders and deliver those loans into the secondary market via whole loan sales to independent third parties or in securitization transactions to government sponsored enterprises such as Fannie Mae, Freddie Mac and Ginnie Mae.

Business Strategy

Drawing on the business and community ties of our management and their banking experience, our strategy is to continue building an independent bank that focuses primarily on middle market business customers and successful professionals and entrepreneurs in each of the five major metropolitan markets of Texas as well as our national lines of business. To achieve this, we seek to implement the following strategies:


•	Targeting middle market businesses and successful professionals and entrepreneurs;


•	Growing our loan and deposit base in our existing markets by hiring additional experienced bankers in our different lines of business;


•	Continuing our emphasis on credit policy to maintain credit quality consistent with long-term objectives;


•	Leveraging our existing infrastructure to support a larger volume of business;


•	Maintaining stringent internal approval processes for capital and operating expenditures;


•	Continuing our extensive use of outsourcing to provide cost-effective operational support and service levels consistent with large-bank operations; and


•	Extending our reach within our target markets and lines of business through service innovation and service excellence.

Products and Services

We offer a variety of loan, deposit account and other financial products and services to our customers.

Business Customers. We offer a full range of products and services oriented to the needs of our business customers, including:


•	commercial loans for general corporate purposes including financing for working capital, internal growth, acquisitions and financing for business insurance premiums;


•	real estate term and construction loans;


•	mortgage finance lending;


•	mortgage correspondent aggregation;


•	equipment leasing;


•	treasury management services;


•	wealth management and trust services; and


•	letters of credit.

Table of Contents

Individual Customers. We also provide complete banking services for our individual customers, including:


•	personal wealth management and trust services;


•	certificates of deposit;


•	interest-bearing and non-interest-bearing checking accounts with optional features such as Visa® debit/ATM cards and overdraft protection;


•	traditional money market and savings accounts;


•	loans, both secured and unsecured; and


•	Internet banking.

Lending Activities

We target our lending to middle market businesses and successful professionals and entrepreneurs that meet our credit standards. The credit standards are set by our standing Credit Policy Committee with the assistance of our Bank’s Chief Credit Officer, who is charged with ensuring that credit standards are met by loans in our portfolio. Our Credit Policy Committee is comprised of senior Bank officers including our Bank’s Chief Executive Officer and President, our Texas President/Chief Lending Officer, our Bank's Chief Risk Officer and our Bank’s Chief Credit Officer. We believe we maintain an appropriately diversified loan portfolio. Credit policies and underwriting guidelines are tailored to address the unique risks associated with each industry represented in the portfolio.

Our credit standards for commercial borrowers reference numerous criteria with respect to the borrower, including historical and projected financial information, strength of management, acceptable collateral and associated advance rates, and market conditions and trends in the borrower’s industry. In addition, prospective loans are also analyzed based on current industry concentrations in our loan portfolio to prevent an unacceptable concentration of loans in any particular industry. We believe our credit standards are consistent with achieving business objectives in the markets we serve and will generally mitigate a portion of our risk. We believe that we differentiate our Bank from its competitors by focusing on and aggressively marketing to our core customers and fitting our products to their individual needs.

We generally extend variable rate loans in which the interest rate fluctuates with a specified reference rate such as the United States prime rate or the London Interbank Offered Rate (LIBOR) and frequently provide for a minimum floor rate. Our use of variable rate loans is designed to protect us from risks associated with interest rate fluctuations since the rates of interest earned will automatically reflect such fluctuations.

Deposit Products

We offer a variety of deposit products and services to our core customers upon terms, including interest rates, which are competitive with other banks. Our business deposit products include commercial checking accounts, lockbox accounts, cash concentration accounts and other treasury management services, including on-line data and server access. Our treasury management on-line system offers information services, wire transfer initiation, ACH initiation, account transfer and service integration. Our consumer deposit products include checking accounts, savings accounts, money market accounts and certificates of deposit. We also allow our consumer deposit customers to access their accounts, transfer funds, pay bills and perform other account functions over the Internet and through ATM machines.

Wealth Management and Trust

Our wealth management and trust services include investment management, personal trust and estate services, custodial services, retirement accounts and related services. Our investment management professionals work with our clients to define objectives, goals and strategies for their investment portfolios. We assist the customer with the selection of an investment manager and work with the client to tailor the investment program accordingly. We also offer retirement products such as individual retirement accounts and administrative services for retirement vehicles such as pension and profit sharing plans.

Cayman Islands Branch

We established a branch of our Bank in the Cayman Islands in 2003 which was closed during 2015. Deposits maintained at our Cayman Islands branch originated with our domestic U.S. customer relationships. Deposits at the branch at December 31, 2014 were $312.7 million.

Employees

As of December 31, 2015, we had 1,329 full-time employees. None of our employees is represented by a collective bargaining agreement and we consider our relations with our employees to be good.

Table of Contents

Regulation and Supervision

General. We and our Bank are subject to extensive federal and state laws and regulations that impose specific requirements on us and provide regulatory oversight of virtually all aspects of our operations. These laws and regulations generally are intended for the protection of depositors, the deposit insurance fund of the Federal Deposit Insurance Corporation (“FDIC”) and the stability of the U.S. banking system as a whole, rather than for the protection of our stockholders and creditors.

The following discussion summarizes certain laws and regulations to which we and our Bank are subject. It does not address all applicable laws and regulations that affect us currently or might affect us in the future. This discussion is qualified in its entirety by reference to the full texts of the laws, regulations and policies described.

The Company’s activities are governed by the Bank Holding Company Act of 1956, as amended (“BHCA”). We are subject to regulation, supervision and examination by the Board of Governors of the Federal Reserve System (the “Federal Reserve”) pursuant to the BHCA. We file quarterly reports and other information with the Federal Reserve. We file reports with the Securities and Exchange Commission (“SEC”) and are subject to its regulation with respect to our securities, reporting and certain governance matters, including matters submitted for stockholder approval. Our securities are listed on the Nasdaq Global Select Market, and we are subject to Nasdaq rules for listed companies.

Our Bank is organized as a national banking association under the National Bank Act, and is subject to regulation, supervision and examination by the Office of the Comptroller of the Currency (the “OCC”), the FDIC and the Consumer Financial Protection Bureau (“CFPB”) as well as being subject to regulation by certain other federal and state agencies. The OCC has primary supervisory responsibility for our Bank and performs a continuous program of examinations concerning safety and soundness, the quality of management and directors, information technology and compliance with applicable laws and regulations. Our Bank files quarterly reports of condition and income with the FDIC, which provides insurance for certain of our Bank’s deposits. The CFPB has regulation, supervision and examination authority over our Bank with respect to substantially all federal statutes protecting the interests of consumers of financial services.

Bank Holding Company Regulation. The BHCA limits our business to banking, managing or controlling banks and other activities that the Federal Reserve has determined to be closely related to banking. We have elected to register with the Federal Reserve as a financial holding company. This authorizes us to engage in any activity that is either (i) financial in nature or incidental to such financial activity, as determined by the Federal Reserve, or (ii) complementary to a financial activity, so long as the activity does not pose a substantial risk to the safety and soundness of our Bank or the financial system generally, as determined by the Federal Reserve. Examples of non-banking activities that are financial in nature include securities underwriting and dealing, insurance underwriting and making merchant banking investments.

We are not at this time exercising this authority at the parent company level. We, through our Bank, engage in traditional banking activities that are deemed financial in nature. In order for us to undertake new activities permitted by the BHCA, we and our Bank must be considered "well capitalized" (as defined below) and well managed, our Bank must have received a rating of at least satisfactory in its most recent examination under the Community Reinvestment Act and we would be required to notify the Federal Reserve within thirty days of engaging in the new activity.

Under Federal Reserve policy, now codified by the Dodd-Frank Wall Street Reform and Consumer Protection Act ("Dodd-Frank Act"), we are expected to act as a source of financial and managerial strength to our Bank and commit resources to its support. Such support may be required at times when, absent this Federal Reserve policy, a holding company may not be inclined to provide it. We could in certain circumstances be required to guarantee the capital plan of our Bank if it became undercapitalized.

It is the policy of the Federal Reserve that financial holding companies may pay cash dividends on common stock only out of income available over the past year and only if prospective earnings retention is consistent with the organization’s expected future needs and financial condition. The policy provides that financial holding companies may not pay cash dividends in an amount that would undermine the holding company’s ability to serve as a source of strength to its banking subsidiary.

With certain limited exceptions, the BHCA prohibits a person or company or a group of persons deemed to be “acting in concert” from, directly or indirectly, acquiring more than 10% (5% if the acquirer is a bank holding company) of any class of our voting stock or obtaining the ability to control in any manner the election of a majority of our directors or otherwise direct the management or policies of our company without prior notice or application to and the approval of the Federal Reserve.

If, in the opinion of the applicable federal bank regulatory authorities, a depository institution or holding company is engaged in or is about to engage in an unsafe or unsound practice (which could include the payment of dividends), such authority may require, generally after notice and hearing, that such institution or holding company cease and desist such practice. The federal banking agencies have indicated that paying dividends that deplete a depository institution’s or holding company’s capital base to an inadequate level would be such an unsafe or unsound banking practice. Moreover, the Federal Reserve and the FDIC have issued policy statements providing that financial holding companies and insured depository institutions generally should only pay dividends out of current operating earnings.

Table of Contents

Regulation of Our Bank by the OCC. National banks the size of our Bank are subject to continuous regulation, supervision and examination by the OCC. The OCC regulates or monitors all areas of a national bank’s operations, including security devices and procedures, adequacy of capitalization and loss reserves, accounting treatment and impact on capital determinations, loans, investments, borrowings, deposits, liquidity, mergers, issuances of securities, payment of dividends, interest rate risk management, establishment of branches, corporate reorganizations, maintenance of books and records, and adequacy of staff training to carry on safe and sound lending and deposit gathering practices. The OCC requires national banks to maintain specified capital ratios and imposes limitations on their aggregate investment in real estate, bank premises and furniture and fixtures. National banks are required by the OCC to file quarterly reports of their financial condition and results of operations and to obtain an annual audit of their financial statements in compliance with minimum standards and procedures prescribed by the OCC.

Capital Adequacy Requirements. Federal banking regulators have adopted a system using risk-based capital guidelines to evaluate the capital adequacy of banks and bank holding companies that is based upon the 1988 capital accord of the Bank for International Settlements’ Committee on Banking Supervision (the “Basel Committee”), a committee of central banks and bank regulators from the major industrialized countries that coordinates international standards for bank regulation. Under the guidelines, specific categories of assets and off-balance-sheet activities such as letters of credit are assigned risk weights, based generally on the perceived credit or other risks associated with the asset. Off-balance-sheet activities are assigned a credit conversion factor based on the perceived likelihood that they will become on-balance-sheet assets. These risk weights are multiplied by corresponding asset balances to determine a “risk weighted” asset base which is then measured against various measures of capital to produce capital ratios.

An organization’s capital is classified in one of two tiers, Core Capital, or Tier 1, and Supplementary Capital, or Tier 2. Tier 1 capital includes common stock, retained earnings, qualifying non-cumulative perpetual preferred stock, minority interests in the equity of consolidated subsidiaries, a limited amount of qualifying trust preferred securities and qualifying cumulative perpetual preferred stock at the holding company level, less goodwill and most intangible assets. Tier 2 capital includes perpetual preferred stock and trust preferred securities not meeting the Tier 1 definition, mandatory convertible debt securities, subordinated debt, and allowances for loan and lease losses. Each category is subject to a number of regulatory definitional and qualifying requirements.

The Basel Committee in 2010 released a set of recommendations for strengthening international capital and liquidity regulation of banking organizations, known as Basel III. In July 2013, the Federal Reserve published final rules for the adoption of the Basel III regulatory capital framework (the “Basel III Capital Rules”). The Basel III Capital Rules became effective for us on January 1, 2015, with certain transition provisions phasing in over a period ending on January 1, 2019.

The Basel III Capital Rules, among other things, (i) specified a capital measure called “Common Equity Tier 1” (“CET1”), (ii) specified that Tier 1 capital consists of CET1 and “Additional Tier 1 capital” instruments meeting specified requirements, (iii) narrowed the definition of CET1 by requiring that most deductions/adjustments to regulatory capital measures be made to CET1 and not to the other components of capital and (iv) expanded the scope of the deductions/adjustments to the capital measures as compared to prior regulations. Our Series A 6.5% Non-Cumulative Perpetual Preferred Stock constitutes Additional Tier 1 capital and our subordinated notes constitute Tier 2 capital.

The Basel III Capital Rules also changed the Tier 1 risk-based capital requirements and the total risk-based requirements to a minimum of 6.0% and 8.0%, respectively, plus a capital conservation buffer of 2.5% producing targeted ratios of 8.5% and 10.5%, respectively. The leverage ratio requirement under the Basel III Capital Rules is 5.0%. In order to be well capitalized under the rules now in effect, our Bank must maintain a CET1 capital ratio, Tier 1 capital ratio and total capital ratio of greater than or equal to 6.5%, 8.0% and 10.0%, respectively. See “Selected Financial Data - Capital and Liquidity Ratios.”

We met the capital adequacy requirements under the Basel III Capital Rules on a fully phased-in basis when we commenced filing 2015 reports with the FDIC and OCC. At December 31, 2015 our Bank's CET1 ratio was 7.82% and its total risk-based capital ratio was 10.57% and, as a result, it is currently classified as "well capitalized" for purposes of the OCC's prompt corrective action regulations.

Because we had less than $15 billion in total consolidated assets as of December 31, 2009, we are allowed to continue to classify our trust preferred securities, all of which were issued prior to May 19, 2010, as Tier 1 capital. We have elected to exclude the effects of accumulated other comprehensive income items included in stockholders’ equity from the determination of capital ratios under the Basel III Capital Rules.

Regulators may change capital and liquidity requirements, including previous interpretations of practices related to risk weights, which could require an increase to the allocation of capital to assets held by our Bank. Regulators could also require us to make retroactive adjustments to financial statements to reflect such changes. A regulatory capital ratio or category may not constitute an accurate representation of the Bank’s overall financial condition or prospects. Our regulatory capital status is addressed in more detail under the heading “Liquidity and Capital Resources” within Management’s Discussion and Analysis of

Table of Contents

Financial Condition and Results of Operations and in Note 14 - Regulatory Restrictions in the accompanying notes to the consolidated financial statements included elsewhere in this report.

The Federal Deposit Insurance Corporation Improvement Act of 1991 (“FDICIA”) sets forth five capital categories for insured depository institutions under the prompt corrective action regulations:


•	Well capitalized-equals or exceeds a 10% total risk-based capital ratio, 8% Tier 1 risk-based capital ratio, and 5% leverage ratio and is not subject to any written agreement, order or directive requiring it to maintain a specific level for any capital measure;


•	Adequately capitalized-equals or exceeds an 8% total risk-based capital ratio, 6% Tier 1 risk-based capital ratio, and 4% leverage ratio;


•	Undercapitalized-total risk-based capital ratio of less than 8%, or a Tier 1 risk-based ratio of less than 6%, or a leverage ratio of less than 4%;


•	Significantly undercapitalized-total risk-based capital ratio of less than 6%, or a Tier 1 risk-based capital ratio of less than 4%, or a leverage ratio of less than 3%; and


•	Critically undercapitalized-a ratio of tangible equity to total assets equal to or less than 2%.

Federal bank regulatory agencies are required to implement arrangements for “prompt corrective action” for institutions failing to meet minimum requirements to be at least adequately capitalized. FDICIA imposes an increasingly stringent array of restrictions, requirements and prohibitions as an organization’s capital levels deteriorate. An adequately capitalized institution may not accept or roll over brokered deposits without an FDIC waiver. A significantly undercapitalized institution is subject to mandated capital raising activities, restrictions on interest rates paid and transactions with affiliates, removal of management and other restrictions. The OCC has only very limited discretion in dealing with a critically undercapitalized institution and is virtually required to appoint a receiver or conservator (the FDIC) if the capital deficiency is not corrected promptly.

Under the Federal Deposit Insurance Act (“FDIA”), “critically undercapitalized” banks may not, beginning 60 days after becoming critically undercapitalized, make any payment of principal or interest on their subordinated debt (subject to certain limited exceptions). In addition, under Section 18(i) of the FDIA, banks are required to obtain the advance consent of the FDIC to retire any part of their subordinated notes. Under the FDIA, a bank may not pay interest on its subordinated notes if such interest is required to be paid only out of net profits, or distribute any of its capital assets, while it remains in default on any assessment due to the FDIC.

Federal bank regulators may set capital requirements for a particular banking organization that are higher than the minimum ratios when circumstances warrant. Federal Reserve and OCC guidelines provide that banking organizations experiencing significant growth or making acquisitions will be expected to maintain strong capital positions substantially above the minimum supervisory levels, without significant reliance on intangible assets. Concentration of credit risks arising from non-traditional activities, as well as an institution’s ability to manage these risks, are important factors taken into account by regulatory agencies in assessing an organization’s overall capital adequacy.

The OCC and the Federal Reserve also use a leverage ratio as an additional tool to evaluate the capital adequacy of banking organizations. The leverage ratio is a company’s Tier 1 capital divided by its average total consolidated assets. A minimum leverage ratio of 3.0% is required for banks and bank holding companies that either have the highest supervisory rating or have implemented the appropriate federal regulatory authority’s risk-adjusted measure for market risk. All other banks and bank holding companies are required to maintain a minimum leverage ratio of 4.0%, unless a different minimum is specified by an appropriate regulatory authority. In order to be considered well capitalized the leverage ratio must be at least 5.0%.

Our Bank’s leverage ratio was 8.75% at December 31, 2015 and, as a result, it is currently classified as “well capitalized” for purposes of the OCC’s prompt corrective action regulations.

The risk-based and leverage capital ratios established by federal banking regulators are minimum supervisory ratios generally applicable to banking organizations that meet specified criteria, assuming that they otherwise have received the highest regulatory ratings in their most recent examinations. Banking organizations not meeting these criteria are expected to operate with capital positions in excess of the minimum ratios. Regulators can, from time to time, change their policies or interpretations of banking practices to require changes in risk weights, which may require the Bank to obtain additional capital to support future growth or reduce asset balances in order to meet minimum acceptable capital ratios.

Table of Contents

Liquidity Requirements. U.S. bank regulators in September 2014 issued a final rule implementing the Basel III liquidity framework for certain U.S. banks - generally those having more than $50 billion of assets or whose primary federal banking regulator determines compliance with the liquidity framework is appropriate based on the organization's size, level of complexity, risk profile, scope of operations, U.S. or non-U.S. affiliations or risk to the financial system. One of the liquidity tests included in the new rule, referred to as the liquidity coverage ratio (“LCR”), is designed to ensure that a banking entity maintains an adequate level of unencumbered high-quality liquid assets equal to the entity’s expected net cash outflow for a 30-day time horizon (or, if greater, 25% of its expected total cash outflow) under an acute liquidity stress scenario.

The other test, referred to as the net stable funding ratio (“NSFR”), is designed to promote more medium- and long-term funding of the assets and activities of banking entities over a one-year time horizon. These requirements are predicted to encourage the covered banking entities to increase their holdings of U.S. Treasury securities and other sovereign debt as a component of assets, and also to increase the use of long-term debt as a funding source. Regulators may change capital and liquidity requirements, including previous interpretations of practices related to risk weights, which could require an increase to the allocation of capital to assets held by our Bank. Regulators could also require us to make retroactive adjustments to financial statements and reported capital ratios to reflect such changes.

Stress Testing. Pursuant to the Dodd-Frank Act and regulations published by the Federal Reserve and OCC, institutions with average total consolidated assets greater than $10 billion are required to conduct an annual “stress test” of capital and consolidated earnings and losses under a base case and two severely adverse stress scenarios provided by bank regulatory agencies. We became subject to this requirement in 2014 and have developed dedicated staffing, economic models, policies and procedures to implement stress testing on an annual basis using scenarios released by the agencies each year.

Commencing in 2016 the results of our stress testing must be reported to the agencies in July of each year and public disclosure of our summary stress test results is required to be made in October of each year. The published results of our stress testing are available in the Investor Relations section of our website at www.texascapitalbank.com under the caption “Financial Information.” Results of stress test calculations are anticipated to become an important factor considered by banking regulators in evaluating a range of banking practices. We are incorporating the economic models and information developed through our stress testing program into our risk management and business planning activities.

Gramm-Leach-Bliley Financial Modernization Act of 1999 ("Gramm-Leach-Bliley Act"). The Gramm-Leach-Bliley Act:


•	allows bank holding companies meeting management, capital and Community Reinvestment Act standards to engage in a substantially broader range of non-banking activities than was permissible prior to enactment, including insurance underwriting and making merchant banking investments in commercial and financial companies;


•	allows insurers and other financial services companies to acquire banks;


•	removes various restrictions that applied to bank holding company ownership of securities firms and mutual fund advisory companies; and


•	establishes the overall regulatory structure applicable to bank holding companies that also engage in insurance and securities operations.

The Gramm-Leach-Bliley Act also modifies other current financial laws, including laws related to financial privacy. The financial privacy provisions generally prohibit financial institutions, including us, from disclosing non-public personal financial information to non-affiliated third parties unless customers have the opportunity to “opt out” of the disclosure.

Community Reinvestment Act. The Community Reinvestment Act of 1977 (“CRA”) requires depository institutions to assist in meeting the credit needs of their market areas consistent with safe and sound banking practice. Under the CRA, each depository institution is required to help meet the credit needs of its market areas by, among other things, providing credit to low- and moderate-income individuals and communities. Depository institutions are periodically examined for compliance with the CRA and are assigned ratings. In order for a financial holding company to commence new activity permitted by the BHCA, each insured depository institution subsidiary of the financial holding company must have received a rating of at least “satisfactory” in its most recent examination under the CRA.

The USA Patriot Act, the International Money Laundering Abatement and Financial Anti-Terrorism Act and the Bank Secrecy Act. A major focus of U.S. government policy regarding financial institutions in recent years has been combating money laundering, terrorist financing and other illegal payments. The USA Patriot Act of 2001 and the International Money Laundering Abatement and Financial Anti-Terrorism Act of 2001 substantially broadened the scope of United States anti-money laundering laws and penalties, specifically related to the Bank Secrecy Act of 1970, and expanded the extra-territorial jurisdiction of the U.S. government in this area. Regulations issued under these laws impose obligations on financial institutions to maintain appropriate policies, procedures and controls to detect, prevent and report money laundering and terrorist financing and to verify the identity of their customers. Failure of a financial institution to maintain and implement adequate programs to combat money laundering and terrorist financing, or to comply with relevant laws or regulations, could have serious legal, reputational and financial consequences for the institution. Because of the significance of regulatory

Table of Contents

emphasis on these requirements, we will continue to expend significant staffing, technology and financial resources to maintain programs designed to ensure compliance with applicable laws and regulations and an effective audit function for testing our compliance with the Bank Secrecy Act on an ongoing basis.

Safe and Sound Banking Practices; Enforcement. Banks and bank holding companies are prohibited from engaging in unsafe and unsound banking practices. Bank regulators have broad authority to prohibit and penalize activities of bank holding companies and their subsidiaries which represent unsafe and unsound banking practices or which constitute violations of laws, regulations or written directives of or agreements with regulators. Regulators have considerable discretion in identifying what they deem to be unsafe and unsound practices and in pursuing enforcement actions in response to them.

Enforcement actions against us, our Bank and our officers and directors may include the issuance of a written directive, the issuance of a cease-and-desist order that can be judicially enforced, the imposition of civil money penalties, the issuance of directives to increase capital, the issuance of formal and informal agreements, the issuance of removal and prohibition orders against institution-affiliated parties, the imposition of restrictions and sanctions under prompt corrective action provisions, the termination of deposit insurance (in the case of our Bank) and the appointment of a conservator or receiver for our Bank. Civil money penalties can be as high as $1.0 million for each day a violation continues.

Transactions with Affiliates and Insiders. Our Bank is subject to Section 23A of the Federal Reserve Act which places limits on, among other covered transactions, the amount of loans or extensions of credit to affiliates that may be made by our Bank. Extensions of credit to affiliates must be adequately collateralized by specified amounts and types of collateral. Section 23A also limits the amount of loans or advances by our Bank to third party borrowers which are collateralized by our securities or obligations or those of our subsidiaries. Our Bank also is subject to Section 23B of the Federal Reserve Act, which, among other things, prohibits an institution from engaging in transactions with affiliates unless the transactions are on terms substantially the same, or at least as favorable to such institution or its subsidiaries, as those prevailing at the time for comparable transactions with non-affiliates.

We are subject to restrictions on extensions of credit to executive officers, directors, principal stockholders and their related interests. These restrictions are contained in the Federal Reserve Act and Federal Reserve Regulation O and apply to all insured institutions as well as their subsidiaries and holding companies. These restrictions include limits on loans to one borrower and conditions that must be met before such loans can be made. There is also an aggregate limitation on all loans to insiders and their related interests, which cannot exceed the institution’s total unimpaired capital and surplus, unless the FDIC determines that a lesser amount is appropriate. Insiders are subject to enforcement actions for knowingly accepting loans in violation of applicable restrictions. Additional restrictions on transactions with affiliates and insiders are discussed in the Dodd-Frank Act section below.

Restrictions on Dividends and Repurchases. The sole source of funding of our parent company financial obligations has consisted of proceeds of capital markets transactions and cash payments from our Bank for debt service and dividend payments with respect to our Bank's preferred stock issued to the Company. We may in the future seek to rely upon receipt of dividends paid by our Bank to meet our financial obligations. Our Bank is subject to statutory dividend restrictions. Under such restrictions, national banks may not, without the prior approval of the OCC, declare dividends in excess of the sum of the current year’s net profits plus the retained net profits from the prior two years, less any required transfers to surplus. The Basel III Capital Rules further limit the amount of dividends that may be paid by our Bank. In addition, under the FDICIA, our Bank may not pay any dividend if it is undercapitalized or if payment would cause it to become undercapitalized.

Limits on Compensation. The Federal Reserve, OCC and FDIC in 2010 issued comprehensive final guidance on incentive compensation policies for executive management of banks and bank holding companies. This guidance was intended to ensure that the incentive compensation policies of banking organizations do not undermine their safety and soundness by encouraging excessive risk-taking. The objective of the guidance is to assure that incentive compensation arrangements (i) provide incentives that do not encourage excessive risk-taking, (ii) are compatible with effective internal controls and risk management and (iii) are supported by strong corporate governance, including oversight by the board of directors.

The Dodd-Frank Act. The Dodd-Frank Act became law in 2010 and has had a broad impact on the financial services industry, imposing significant regulatory and compliance changes. A significant volume of financial services regulations required by the Dodd-Frank Act have not yet been finalized by banking regulators, Congress continues to consider legislation that would make significant changes to the law and courts are addressing significant litigation arising under the Act, making it difficult to predict the ultimate effect of the Dodd-Frank Act on our business. The following discussion provides a brief summary of certain provisions of the Dodd-Frank Act that may have an effect on us.

The Dodd-Frank Act significantly reduces the ability of national banks to rely upon federal preemption of state consumer financial laws. Although the OCC, as the primary regulator of national banks, has the ability to make preemption determinations where certain conditions are met, the broad rollback of federal preemption has the potential to create a patchwork of federal and state compliance obligations and enforcement. This could, in turn, result in significant new regulatory

Table of Contents

requirements applicable to us and certain of our lending activities, with potentially significant changes in our operations and increases in our compliance costs.

The Dodd-Frank Act made permanent the general $250,000 deposit insurance limit for insured deposits. Amendments to the FDIA also revised the assessment base against which an insured depository institution’s deposit insurance premiums paid to the FDIC’s deposit insurance fund (“DIF”) are calculated. The assessment base now consists of average consolidated total assets less average tangible equity. Additionally, the Dodd-Frank Act made changes to the minimum designated reserve ratio of the DIF, increasing the minimum from 1.15% to 1.35% of the estimated amount of total insured deposits, and eliminating the requirement that the FDIC pay dividends to depository institutions when the reserve ratio exceeds certain thresholds. These changes contributed to an increase in the FDIC deposit insurance premiums paid by us in 2014 and 2015 and may contribute to increasing and less predictable deposit insurance expense in future years.

The Dodd-Frank Act generally enhances the restrictions on transactions with affiliates under Sections 23A and 23B of the Federal Reserve Act, including an expansion of the definition of “covered transactions” and an increase in the amount of time for which collateral requirements regarding covered credit transactions must be satisfied. Insider transaction limitations are expanded through the strengthening of restrictions on loans to insiders and the expansion of the types of transactions subject to the various limits, including derivatives transactions, repurchase agreements, reverse repurchase agreements and securities lending or borrowing transactions. Restrictions are also placed on certain asset sales to and from an insider to an institution, including requirements that such sales be on market terms and, in certain circumstances, approved by the institution’s board of directors.

The Dodd-Frank Act increases the risk of “secondary actor liability” for lenders such as our Bank that provide financing or other services to customers offering financial products or services to consumers. The Act can impose liability on a service provider for knowingly or recklessly providing substantial assistance to a customer found to have engaged in unfair, deceptive or abusive practices that injure a consumer. This exposure contributes to increased compliance and other costs in connection with administration of credit extended to entities engaged in activities covered by the Dodd-Frank Act.

The Dodd-Frank Act may impact the profitability of our business activities, require changes to certain of our business practices, impose upon us more stringent compliance, capital, liquidity and leverage requirements or otherwise adversely affect our business. These developments may also require us to invest significant management attention and resources to evaluate and make changes to our business as necessary to comply with new and changing statutory and regulatory requirements.

The Volcker Rule. The Dodd-Frank Act amended the BHCA to require the federal financial regulatory agencies to adopt rules that prohibit banks and their affiliates from engaging in proprietary trading in designated types of financial instruments and from investing in and sponsoring certain hedge funds and private equity funds. The final rule became effective in July 2015. It is highly complex, and many aspects of its application remain uncertain. We do not currently anticipate that the Volcker Rule will have a material effect on our operations since we do not engage in the businesses prohibited by the Volcker Rule. Unanticipated effects of the Volcker Rule’s provisions or future interpretations may have an adverse effect on our business or services provided to our Bank by other financial institutions.

Available Information

Under the Securities Exchange Act of 1934, we are required to file annual, quarterly and current reports, proxy statements and other information with the Securities and Exchange Commission (“SEC”). You may read and copy any document filed by us with the SEC at the SEC’s Public Reference Room at 100 F Street, N.E., Washington, D.C. 20549. Please call the SEC at 1-800-SEC-0330 for further information about the public reference room. The SEC maintains a website at www.sec.gov that contains reports, proxy and information statements and other information regarding issuers that file electronically with the SEC. We file electronically with the SEC.

We make available, free of charge through our website, our reports on Forms 10-K, 10-Q and 8-K, and amendments to those reports, as soon as reasonably practicable after such reports are filed with or furnished to the SEC. Additionally, we have adopted and posted on our website a code of ethics that applies to our principal executive officer, principal financial officer and principal accounting officer. The address for our website is www.texascapitalbank.com. Any amendments to, or waivers from, our code of ethics applicable to our executive officers will be posted on our website within four days of such amendment or waiver. We will provide a printed copy of any of the aforementioned documents to any requesting stockholder.


ITEM 1A.	RISK FACTORS

Our business is subject to risk. The following discussion, along with management’s discussion and analysis and our financial statements and footnotes, sets forth the most significant risks and uncertainties that we believe could adversely affect our business, financial condition or results of operations. Additional risks and uncertainties that management is not aware of or that management currently deems immaterial may also have a material adverse effect on our business, financial condition or results of operations. There is no assurance that this discussion covers all potential risks that we face. The occurrence of the

Table of Contents

described risks could cause our results to differ materially from those described in our forward-looking statements included elsewhere in this report, and could have a material adverse impact on our business or results of operations.

Risk Factors Associated With Our Business

We must effectively manage our credit risk. The risk of non-payment of loans is inherent in commercial banking. Increased credit risk may result from many factors, including


•	Adverse changes in local, U.S. and global economic and industry conditions;


•	Declines in the value of collateral, including asset values that are directly or indirectly related to external factors such as commodity prices or interest rates;


•	Concentrations of credit associated with specific loan categories, industries or collateral types; and


•	Risks specific to individual borrowers.

We rely heavily on information provided by third parties when originating and monitoring loans. If this information is intentionally or negligently misrepresented and we do not detect such misrepresentations, the credit risk associated with the transaction may be increased. Although we attempt to manage our credit risk by carefully monitoring the concentration of our loans within specific loan categories and industries and through prudent loan approval and monitoring practices in all categories of our lending, we cannot assure you that our approval and monitoring procedures will reduce these lending risks. Competitive pressures could erode underwriting standards leading to a decline in general credit quality and increases in credit defaults and non-performing asset levels. If our credit administration personnel, policies and procedures are not able to adequately adapt to changes in economic, competitive or other conditions that affect customers and the quality of the loan portfolio, we may incur increased losses that could adversely affect our financial results and lead to increased regulatory scrutiny, restrictions on our lending activity or financial penalties.

A significant portion of our assets consists of commercial loans. We generally invest a greater proportion of our assets in commercial loans to business customers than other banking institutions of our size, and our business plan calls for continued efforts to increase our assets invested in these loans. At December 31, 2015, approximately 40% of our LHI portfolio was comprised of commercial loans. Commercial loans may involve a higher degree of credit risk than other types of loans due, in part, to their larger average size, the effects of changing economic conditions on the businesses of our commercial loan customers, the dependence of borrowers on operating cash flow to service debt and our reliance upon collateral which may not be readily marketable. Due to the proportion of these commercial loans in our portfolio and because the balances of these loans are, on average, larger than other categories of loans, losses incurred on a relatively small number of commercial loans could have a materially adverse impact on our results of operations and financial condition.

A significant portion of our loans are secured by commercial and residential real estate. At December 31, 2015, approximately 30% of our loan portfolio was comprised of loans with real estate as the primary component of collateral. Our real estate lending activities, and our exposure to fluctuations in real estate collateral values, are significant and expected to increase as our assets increase. The market value of real estate can fluctuate significantly in a relatively short period of time as a result of market conditions in the geographic area in which the real estate is located, in response to factors such as changes in the economic health of industries heavily concentrated in a particular area and in response to changes in market interest rates which influence capitalization rates used to value revenue-generating commercial real estate. If the value of real estate serving as collateral for our loans declines materially, a significant part of our loan portfolio could become under-collateralized and losses incurred upon borrower defaults would increase. Conditions in certain segments of the real estate industry, including homebuilding, lot development and mortgage lending, may have an effect on values of real estate pledged as collateral for our loans. The inability of purchasers of real estate, including residential real estate, to obtain financing may weaken the financial condition of our borrowers who are dependent on the sale or refinancing of property to repay their loans. Changes in the economic health of certain industries can have a significant impact on other sectors or industries which are both directly and indirectly associated with the industry.

Our business is concentrated in Texas; our Energy industry exposure could adversely affect our performance. A substantial majority of our customers are located in Texas. As a result, our financial condition and results of operations may be strongly affected by any prolonged period of economic recession or other adverse business, economic or regulatory conditions affecting Texas businesses and financial institutions. While the Texas economy is more diversified than in the 1980’s, the energy sector continues to play an important role. At December 31, 2015 our outstanding energy loans represented 7% of total loans. Our energy loans consist primarily of reserve-based loans to exploration and production companies with a smaller portion of our loan balances attributable to royalty owners, midstream operators, saltwater disposal and other service companies whose businesses primarily relate to production, not exploration and development of oil and gas.These businesses can be significantly affected by volatility in oil and natural gas prices and material declines in the level of drilling and production activity in Texas and in other areas of the United States. Adverse developments in the energy sector can have significant spillover effects on the Texas economy, including commercial and residential real estate values and the general level of economic activity. We are

Table of Contents

carefully monitoring the impact of the continuing significant decline and volatility in oil and natural gas prices on our loan portfolio, and have reflected these events in the determination of our allowance for loan and lease losses as of December 31, 2015. We experienced an increase in non-performing assets primarily related to energy loans during 2015 and there is no assurance that we will not be materially adversely impacted by the direct and indirect effects of current and future conditions in the energy industry in Texas and nationally.

Our future profitability depends, to a significant extent, upon our middle market business customers. Our future profitability depends, to a significant extent, upon revenue we receive from middle market business customers, and their ability to continue to meet their loan obligations. Adverse economic conditions or other factors affecting this market segment, and our failure to timely identify and react to unexpected economic downturns, may have a greater adverse effect on us than on other financial institutions that have a more diversified customer base. Additionally, our inability to grow our middle market business customer base in a highly competitive market could affect our future profitability.

We must maintain an appropriate allowance for loan losses. Our experience in the banking industry indicates that some portion of our loans will become delinquent, and some may only be partially repaid or may never be repaid at all. We maintain an allowance for loan losses, which is a reserve established through a provision for loan losses charged to expense each quarter, that is consistent with management’s assessment of the collectability of the loan portfolio in light of the amount of loans committed and outstanding and current economic conditions and market trends. When specific loan losses are identified, the amount of the expected loss is removed, or charged-off, from the allowance. Our methodology for establishing the appropriateness of the allowance for loan losses depends on our subjective application of risk grades as indicators of each borrower’s ability to repay specific loans, together with our assessment of how actual or projected changes in competitor underwriting practices, competition for borrowers and depositors and other conditions in our markets are likely to impact improvement or deterioration in the collectability of our loans as compared to our historical experience.

Our business model makes our Bank more vulnerable to changes in underlying business credit quality than other banks with which we compete. We have a substantially larger percentage of commercial, real estate and other categories of business loans relative to total assets than most other banks in our market and our individual loans are generally larger as a percentage of our total earning assets than other banks. While we have substantially increased our liquidity over the past two years, these funds are invested in low-yielding deposits with federal agencies and other financial institutions. We have a substantially smaller portion of securities and other earning assets categories that can be less vulnerable to changes in local, regional or industry-specific economic trends, causing our potential for credit losses to be more severe than other banks. Our business model has focused on growth in various loan categories that can be more sensitive to changes in the economic trends. We believe our ability to maintain above-peer rates of growth in commercial loans is dependent on maintaining above-peer credit quality metrics. The failure to do so would have a material adverse impact on our growth and profitability.

If our assessment of inherent losses is inaccurate, or economic and market conditions or our borrowers' financial performance experience material unanticipated changes, the allowance may become inadequate, requiring larger provisions for loan losses that can materially decrease our earnings. Certain of our loans individually represent a significant percentage of our total allowance for loan losses. Adverse collection experience in a relatively small number of these loans could require an increase in the provision for loan losses. Federal regulators periodically review our allowance for loan losses and, based on their judgments, which may be different than ours, may require us to change classifications or grades of loans, increase the allowance for loan losses and recognize further loan charge-offs. Any increase in the allowance for loan losses or in the amount of loan charge-offs required by these regulatory agencies could have a negative effect on our results of operations and financial condition.

Our growth plans are dependent on the availability of capital and funding. Our historical ability to raise capital through the sale of capital stock and debt securities may be affected by economic and market conditions or regulatory changes that are beyond our control. Adverse changes in our operating performance or financial condition could make raising additional capital difficult or more expensive or limit our access to customary sources of funding, including inter-bank borrowings, repurchase agreements and borrowings from the Federal Reserve Bank or the Federal Home Loan Bank. Unexpected changes in requirements for regulatory capital resulting from regulatory actions or the results of our Dodd-Frank Act stress testing could require us to raise capital at a time, and at a price, that might be unfavorable, or require that we forego continuing growth or shrink our balance sheet. We cannot offer assurance that capital and funding will be available to us in the future, in needed amounts, upon acceptable terms or at all. Our efforts to raise capital could require the issuance of securities at times and with maturities, conditions and rates that are disadvantageous, and which could have a dilutive impact on our current stockholders. Factors that could adversely affect our ability to raise additional capital include conditions in the capital markets, our financial performance, regulatory actions and general economic conditions. Increases in our cost of capital, including dilution and increased interest or dividend requirements, could have a direct adverse impact on our operating performance and our ability to achieve our growth objectives. Trust preferred securities are no longer viable as a source of new long-term debt capital as a result of regulatory changes. The treatment of our existing trust preferred securities as capital may be subject to further regulatory change prior to their maturity, which could require the Company to seek additional capital.

Table of Contents

We must effectively manage our liquidity risk. Our Bank requires available funds (liquidity) to meet its deposit, debt and other obligations as they come due, borrower requests to draw on committed credit facilities as well as unexpected demands for cash payments. While we are not subject to Basel III liquidity regulations, the adequacy of our liquidity is a matter of regulatory interest given the significant portion of our balance sheet represented by loans as opposed to securities and other more marketable investments. Our Bank’s principal source of funding consists of customer deposits. A substantial majority of our Bank’s liabilities consist of demand, savings, interest checking and money market deposits, which are payable on demand or upon several days’ notice. By comparison, a substantial portion of our assets are loans, most of which, excluding our mortgage finance loans and mortgage loans held for sale, cannot be collected or sold in so short a time frame, creating the potential for an imbalance in the availability of liquid assets to satisfy depositors and loan funding requirements.

We hold smaller balances of marketable securities than many of our competitors, limiting our ability to increase our liquidity by completing market sales of these assets. An inability to raise funds through deposits, borrowings, the sale of securities and loans and other sources, including our access to capital market transactions, could have a substantial negative effect on our Bank’s liquidity. We actively manage our available sources of funds to meet our expected needs under normal and financially stressed conditions, but there is no assurance that our Bank will be able to make new loans, meet ongoing funding commitments to borrowers and replace maturing deposits and advances as necessary under all possible circumstances. Our Bank’s ability to obtain funding could be impaired by factors beyond its control, such as disruptions in financial markets, negative expectations regarding the financial services industry generally or in our markets or negative perceptions of our Bank.

Our mortgage finance business has experienced, and will likely continue to experience, highly variable usage of our funding capacity resulting from seasonal demands for credit, surges in consumer demand driven by changes in interest rates and month-end “spikes” of residential mortgage closings. These spikes could also result in our Bank having capital ratios that are below internally targeted levels or even levels that could cause our Bank to not be well-capitalized and could affect liquidity levels. At the same time managing this risk by declining to respond fully to the needs of our customers could severely impact our business. We have responded to these variable funding demands by, among other things, increasing the extent of participations sold in our mortgage loan interests and by opening an expanded borrowing relationship with the Federal Home Loan Bank in the fourth quarter of 2014. Our mortgage finance customers have in recent periods provided significant low-cost deposit balances associated with the borrower escrow accounts created at the time certain mortgage loans are funded, which have benefitted our liquidity and net interest margin. In a rising rate environment or in response to competitive pressures, we may have to pay interest on some or all of these accounts as regulations allow. Individual escrow account balances also experience significant variability during the year as principal and interest payments, as well as ad valorem taxes and insurance premiums are paid periodically. While the short average holding period of our mortgage interests of approximately 20 days will allow us, if necessitated by a funding shortfall, to rapidly decrease the size of the portfolio and its associated funding requirements, any such action might significantly damage business relationships important to that business.

Our Bank sources a significant volume of its demand deposits from financial services companies, mortgage finance customers and other commercial sources, resulting in a larger percentage of larger deposits and a smaller number of sources of deposits than would be typical of other banks in our markets, creating concentrations of deposits that carry a greater risk of unexpected material withdrawals. In recent periods over half of our total deposits have been attributable to customers whose balances exceed the $250,000 FDIC insurance limit. Many of these customers actively monitor our financial condition and results of operations and could withdraw their deposits quickly upon the occurrence of a material adverse development affecting our Bank or their businesses. In response to this risk we have substantially increased our liquidity over the past two years, but there is no assurance that we will maintain or have access to sufficient liquidity to fully mitigate this risk.

One potential source of liquidity for our Bank consists of “brokered deposits” arranged by brokers acting as intermediaries, typically larger money-center financial institutions. We receive deposits provided by certain of our customers in connection with our delivery of other financial services to them or their customers which are subject to the regulatory classification of “brokered deposits” even though we consider these to be relationship deposits and they are not subject to the typical risks or market pricing associated with conventional brokered deposits.

If we do not maintain our regulatory capital above the level required to be well capitalized we would be required to obtain FDIC consent for us to continue to accept deposits classified as brokered deposits, and there can be no assurance that the FDIC would consent under any circumstances. We could be required to suspend or eliminate deposit gathering from any source classified as “brokered” deposits. The FDIC can change the definition of or extend the classification to deposits not currently classified as brokered deposits. These non-traditional deposits are subject to greater operational and reputational risk of unexpected withdrawal than traditional demand and time deposits, particularly those provided by consumers. A significant decrease in our balances of relationship brokered deposits could have a material adverse effect upon our financial condition and results of operations. See Management’s Discussion and Analysis of Financial Condition and Results of Operations below for further discussion of our liquidity.

We must effectively manage our interest rate risk. Our profitability is dependent to a large extent on our net interest income, which is the difference between the interest income paid to us on our loans and investments and the interest we pay to third

Table of Contents

parties such as our depositors, lenders and debtholders. Changes in interest rates can impact our profits and the fair values of certain of our assets and liabilities. Models that we use to forecast and plan for the impact of rising and falling interest rates may be incorrect or fail to consider the impact of competition and other conditions affecting our loans and deposits.

The banking industry has experienced a prolonged period of unusually low interest rates, which have had an adverse effect on our earnings by reducing yields on loans and other earning assets. A continued low rate environment will place downward pressure on our net interest income and there is substantial uncertainty regarding the extent to which interest rates may be allowed to increase in 2016 and future periods and what the future effects of any such increases will be. Increases in market interest rates may reduce our customers' desire to borrow money from us or adversely affect their ability to repay their outstanding loans by increasing their debt service obligations through the periodic reset of adjustable interest rate loans. If our borrowers’ ability to pay their loans is impaired by increasing interest payment obligations, our level of non-performing assets would increase, producing an adverse effect on operating results. Asset values especially commercial real estate as collateral, securities or other fixed rate earning assets, can decline significantly with relatively minor changes in interest rates.

Increases in interest rates and economic conditions affecting consumer demand for housing can have a material impact on the volume of mortgage originations and refinancings, adversely affecting the profitability of our mortgage finance business. Interest rate risk can also result from mismatches between the dollar amounts of repricing or maturing assets and liabilities and from mismatches in the timing and rates at which our assets and liabilities reprice. We actively monitor and manage the balances of our maturing and repricing assets and liabilities to reduce the adverse impact of changes in interest rates, but there can be no assurance that we will be able to avoid material adverse effects on our net interest margin in all market conditions.

Federal prohibitions on the ability of financial institutions to pay interest on demand deposit accounts were repealed in 2011 by the Dodd-Frank Act. This change has had limited impact to date due to the excess of commercial liquidity and the low interest rate environment. Rising interest rates may result in our interest expense increasing, with a commensurate effect on our net interest income, particularly if we must pay interest on demand deposits to attract or retain customer deposits. There can be no assurance that we will not be materially adversely affected in the future by increases in interest rates.

We must effectively execute our business strategy in order to continue our asset and earnings growth. Our core strategy is to develop our business principally through organic growth. Our prospects for continued growth must be considered in light of the risks, expenses and difficulties frequently encountered by companies seeking to realize significant growth. In order to execute our growth strategy successfully, we must, among other things:


•	continue to identify and expand into suitable markets and lines of business, in Texas, regionally and nationally;


•	develop new products and services and execute our full range of products and services more efficiently and effectively;


•	attract and retain qualified bankers in each of our targeted markets to build our customer base;


•	respond to market opportunities promptly and nimbly while balancing the demands of risk management and compliance with regulatory requirements;


•	expand our loan portfolio in an intensely competitive environment while maintaining credit quality;


•	attract sufficient deposits and capital to fund our anticipated loan growth and satisfy regulatory requirements;


•	control expenses; and


•	acquire and maintain sufficient qualified staffing and information technology and operational infrastructure to support growth and compliance with increasing and changing regulatory requirements.

Failure to effectively execute our business strategy could have a material adverse effect on our business, future prospects, financial condition or results of operations.

We must be effective in developing and executing new lines of business and new products and services while managing associated risks. Our business strategy requires that we develop and grow new lines of business and offer new products and services within existing lines of business in order to compete successfully and realize our growth objectives for both loans and deposits to fund them. Substantial costs, risks and uncertainties are associated with these efforts, particularly in instances where the markets are not fully developed. Developing and marketing new activities requires that we invest significant time and resources before revenues and profits can be realized. Timetables for the development and launch of new activities may not be achieved and price and profitability targets may not prove feasible. External factors, such as compliance with regulations, receipt of necessary licenses or permits, competitive alternatives and shifting market preferences, may also adversely impact the successful execution of new activities. New activities necessarily entail additional risks and may present additional risks to the effectiveness of our system of internal controls. All service offerings, including current offerings and new activities, may become more risky due to changes in economic, competitive and market conditions beyond our control. Our regulators could determine that our risk management practices are not adequate and take action to restrain our growth. Failure to successfully manage these risks, generally and to the satisfaction of our regulators, in the development and implementation of new lines of

Table of Contents

business or new products or services could have a material adverse effect on our business, results of operations and financial condition.

We must continue to attract, retain and develop key personnel. Our success depends to a significant extent upon our ability to attract, develop and retain experienced bankers in each of our markets as well as managers with the operational skills to build and maintain the infrastructure and controls required to support continuing loan and deposit growth. Competition for the best people in our industry can be intense, and there is no assurance that we will continue to have the same level of success in this effort that has supported our historical results. Factors that affect our ability to attract, develop and retain key employees include our compensation and benefits programs, our profitability, our ability to establish appropriate succession plans for key talent, our reputation for rewarding and promoting qualified employees and market competition for employees with certain skills, including information systems development and security. The cost of employee compensation is a significant portion of our operating expenses and can materially impact our results of operations. The unanticipated loss of the services of a small number of key personnel could have an adverse effect on our business. Although we have entered into employment agreements with certain key employees, we cannot assure you that we will be successful in retaining them.

We must effectively manage our information systems risk. We rely heavily on our communications and information systems to conduct our business. The financial services industry is undergoing rapid technological changes with frequent introductions of new technology-driven products and services. Our ability to compete successfully depends in part upon our ability to use technology to provide products and services that will satisfy customer demands. Many of our competitors invest substantially greater resources in technological capabilities than we do. We may not be able to effectively implement new technology-driven products and services or be successful in marketing these products and services to our customers, which may negatively affect our business, results of operations or financial condition.

Our communications and information systems remain vulnerable to unexpected disruptions, failures and cyber attacks. The frequency and intensity of such attacks in our industry is escalating. Any failure or interruption of these systems could impair our ability to serve our customers and to operate our business and could damage our reputation, result in a loss of business, subject us to additional regulatory scrutiny or enforcement or expose us to civil litigation and possible financial liability. While we have developed extensive recovery plans, we cannot assure that those plans will be effective to prevent adverse effects upon us and our customers resulting from system failures.

We collect and store sensitive data, including personally identifiable information of our customers and employees. Computer break-ins of our systems or our customers’ systems, thefts of data and other breaches and criminal activity may result in significant costs to respond, liability for customer losses if we are at fault, damage to our customer relationships, regulatory scrutiny and enforcement and loss of future business opportunities due to reputational damage. Although we, with the help of third-party service providers, will continue to implement security technology and establish operational procedures to protect sensitive data, there can be no assurance that these measures will be effective. We advise and provide training to our customers regarding protection of their systems, but there is no assurance that our advice and training will be appropriately acted upon by our customers or effective to prevent losses. In some cases we may elect to contribute to the cost of responding to cybercrime against our customers, even when we are not at fault, in order to maintain valuable customer relationships. Successful cyber-attacks on our Bank or customers may affect the reputation of our Bank, and failure to meet customer expectations could have a material impact on our ability to attract and retain deposits as a primary source of funding.

Our operations rely extensively on a broad range of external vendors. We rely on certain external vendors to provide products and services necessary to maintain our day-to-day operations, particularly in the areas of operations, treasury management systems, information technology and security, exposing us to the risk that these vendors will not perform as required by our agreements. An external vendor’s failure to perform in accordance with our agreement could be disruptive to our operations, which could have a material adverse impact on our business, financial condition and results of operations, as well as cause reputation damage if our customers are affected by the failure. External vendors who must have access to our information systems in order to provide their services have been identified as significant sources of information technology security risk. While we have implemented an active program of oversight to address this risk, there can be no assurance that we will not experience material security breaches associated with our vendors.

We are subject to extensive government regulation and supervision. We, as a bank holding company and financial holding company, and our Bank as a national bank, are subject to extensive federal and state regulation and supervision that impacts our business on a daily basis. See the discussion above at Business - Regulation and Supervision. These regulations affect our lending practices, permissible products and services and their terms and conditions, customer relationships, capital structure, investment practices, accounting, financial reporting, operations and our ability to grow, among other things. These regulations also impose obligations to maintain appropriate policies, procedures and controls to detect, prevent and report money laundering and terrorist financing and to verify the identities of our customers.

Congress and federal regulatory agencies continually review banking laws, regulations and policies for possible changes. Changes to statutes, regulations or regulatory policies, including changes in interpretation or implementation of statutes, regulations or policies, could affect us in substantial and unpredictable ways. Recent material changes in regulation and

Table of Contents

requirements imposed on financial institutions, such as the Dodd-Frank Act and the Basel III Accord, result in additional costs, impose more stringent capital, liquidity and leverage requirements, limit the types of financial services and products we may offer and increase the ability of non-bank financial services providers to offer competing financial services and products, among other things. Such changes could result in new regulatory obligations which could prove difficult, expensive or competitively impractical to comply with if not equally imposed upon non-bank financial services providers with whom we compete. The Dodd-Frank Act has not yet been fully implemented and there are many additional regulations that have not been proposed, or if proposed, have not been adopted. The full impact of the Dodd-Frank Act on our business strategies is unknown at this time and cannot be predicted.

We receive inquiries from our regulators from time to time regarding, among other things, lending practices, reserve methodology, compliance with ever-changing regulations and interpretations, our management of interest rate, liquidity, capital and operational risk , regulatory and financial accounting practices and policies and related matters, which can divert management’s time and attention from focusing on our business. We became subject to additional regulatory requirements commencing in 2013 as a result of our assets exceeding $10 billion as described above at Business - Regulation and Supervision. We have significantly increased the amount of management time and expense devoted to developing the infrastructure to support our expanding compliance obligations which can pose significant regulatory enforcement, financial and reputational risks if not appropriately addressed.

We are actively engaged in responding to stress testing requirements contained in the Dodd-Frank Act to evaluate the adequacy of our capital and liquidity planning. Uncertainties regarding how the financial models of our business created pursuant to this requirement will respond to the regulatory scenarios issued annually, and how our regulators will evaluate our report of the results obtained, subject us to increased regulatory risk in 2016 and future years as the standards for DFAST and regulatory use of our reported data continue to evolve. Any change to our practices or policies requested or required by our regulators, or any changes in interpretation of regulatory policy applicable to our businesses, may have a material adverse effect on our business, results of operations or financial condition. We increased our capital and liquidity and expanded our regulatory compliance staffing and systems during 2014 and 2015 in order to assure that we continue to satisfy regulatory expectations for high-growth institutions, which reduced our net interest margin and earnings in 2014 and 2015. There is no assurance that our financial performance in future years will not be similarly burdened.

We expend substantial effort and incur costs to continually improve our systems, controls, accounting, operations, information security, compliance, audit effectiveness, analytical capabilities, staffing and training in order to satisfy regulatory requirements. We cannot offer assurance that these efforts will be accepted by our regulators as satisfying the legal and regulatory requirements applicable to us. Failure to comply with relevant laws, regulations or policies could result in sanctions by regulatory agencies, civil money penalties and/or reputation damage, which could have a material adverse effect on our business, financial condition and results of operations. While we have policies and procedures designed to prevent any such violations, there can be no assurance that such violations will not occur.

The FDIC has imposed higher general and special assessments on deposits or assets based on general industry conditions and as a result of changes in specific programs, as well as qualitative adjustments for individual institutions based on their risk characteristics which cannot be predicted with any certainty. There is no restriction on the amount by which the FDIC may increase deposit and asset assessments in the future. Increases in FDIC assessments, fees and taxes have adversely affected our earnings and may continue to do so in the future.

Reports from the Public Company Accounting Oversight Board’s (“PCAOB”) inspections of public accounting firms continue to outline findings and recommendations which could require our auditors to perform additional work as part of their financial statement audits, increasing our external audit and internal audit costs to respond to these added requirements as well as subjecting to the risk of adverse findings by the PCAOB relating to the work performed. As a result, we have experienced, and may continue to experience, greater internal and external compliance and audit costs to comply with these changes that could adversely affect our results of operations.

Our business faces unpredictable economic and business conditions. Our business is directly impacted by general economic and business conditions in Texas, the United States and abroad. The credit quality of our loan portfolio necessarily reflects, among other things, the general economic conditions in the areas in which we conduct our business. Our continued financial success can be affected by other factors that are beyond our control, including:


•	national, regional and local economic conditions;


•	the value of the U.S. Dollar in relation to the currencies of other advanced and emerging market countries;


•	the performance of both domestic and international equity and debt markets and valuation of securities represented and traded on recognized domestic and international exchanges;


•	fluctuations in the value of commodities including but not limited to petroleum and natural gas;


•	general economic consequences of international conditions, such as weakness in European sovereign debt and foreign currencies and the impact of that weakness on the US and global economies;

Table of Contents


•	legislative and regulatory changes impacting our industry;


•	the financial health of our customers and economic conditions affecting them and the value of our collateral, including effects from continued low prices of energy and other commodities;


•	the incidence of fraud, illegal payments, security breaches and other illegal acts among or impacting our Bank and our customers;


•	structural changes in the markets for origination, sale and servicing of residential mortgages;


•	changes in governmental economic and regulatory policies generally, including the extent and timing of intervention in credit markets by the Federal Reserve Board or withdrawal from that intervention;


•	changes in the availability of liquidity at a systemic level; and


•	material inflation or deflation.

Substantial deterioration in any of the foregoing conditions can have a material adverse effect on our prospects and our results of operations and financial condition. There is no assurance that we will be able to sustain our historical rate of growth or our profitability. Our Bank's customer base is primarily commercial in nature, and our Bank does not have a significant retail branch network or retail consumer deposit base. In periods of economic downturn, business and commercial deposits may be more volatile than traditional retail consumer deposits. As a result, our financial condition and results of operations could be adversely affected to a greater degree by these uncertainties than our competitors who have a larger retail customer base.

We compete with many banks and other financial service providers. Competition among providers of financial services in our markets, in Texas, regionally and nationally, is intense. We compete with other financial and bank holding companies, state and national commercial banks, savings and loan associations, consumer finance companies, credit unions, securities brokerages, insurance companies, mortgage banking companies, money market mutual funds, asset-based non-bank lenders, government sponsored or subsidized lenders and other financial services providers. Many of these competitors have substantially greater financial resources, lending limits and technological resources and larger branch networks than we do, and are able to offer a broader range of products and services than we can, including systems and services that could protect customers from cyber threats. Many competitors offer lower interest rates and more liberal loan terms that appeal to borrowers but adversely affect net interest margin and assurance of repayment. We are increasingly faced with competition in many of our products and services by non-bank providers who may have competitive advantages of size, access to potential customers and fewer regulatory requirements. Failure to compete effectively for deposit, loan and other banking customers in our markets could cause us to lose market share, slow or reverse our growth rate or suffer adverse effects on our financial condition and results of operations.

Our recent entry into the MCA business subjects us to additional risks. Volatility in the mortgage industry has caused uncertainty related to the pricing of the mortgage loans that we seek to purchase, as well as uncertainty in the pricing of those loans when they are sold or securitized. This volatility may cause the actual returns on mortgage sales or securitization transactions to be less than anticipated, which could adversely affect our overall loan volumes. Additionally, non-bank competitors may have a pricing advantage as they are not subject to the same capital limitations on mortgage loans and mortgage servicing rights ("MSRs") as our Bank.

Our MCA business subjects us to additional interest rate risk, which may be an adverse effect on our business. The persistent low interest rate environment and expectation of future higher rates has resulted in an increase in the value of MSRs, causing other market participants and competitors who are planning to hold MSRs for a longer term to be more aggressive in their pricing of the underlying loan purchases than a participant like our Bank that does not plan to hold MSRs on a long-term basis. While we believe market and competitive conditions will improve, a prolonged low interest rate environment could affect the economics of our MCA business over a longer period of time. While lower interest rates may positively affect the volume of mortgage activity, continued unfavorable pricing for the loans purchased and lower profit on the subsequent sale of the loans could persist.

We have entered into loan purchase commitments and forward sales commitments in connection with the MCA business. While we believe that our hedging strategies will be successful in mitigating our exposure to interest rate risk associated with the purchase of mortgage loans held for sale, no hedging strategy can completely protect us. Poorly designed strategies, improperly executed transactions, or inaccurate assumptions regarding future interest rates or market conditions could have a material adverse effect on our financial condition and results of operations.

We may be required to repurchase mortgage loans or reimburse investors as a result of breaches in contractual representations and warranties under the agreements pursuant to which we purchase mortgage loans that are held for sale. While our agreements with the originators and sellers of mortgage loans provide us with legal recourse against them that may allow us to recover some or all of our losses, these companies are frequently not financially capable of paying large amounts of damages and as a result we can offer no assurance that we will not bear all of the risk of loss.

Table of Contents

We may incur other costs and losses as a result of actual or alleged violations of regulations related to the origination and purchase of residential mortgage loans. The origination of residential mortgage loans is governed by a variety of federal and state laws and regulations, which are frequently changing. We sell residential mortgage loans that we have purchased or that we have originated to various parties, including GSEs such as Fannie Mae, Freddie Mac and Ginnie Mae and other financial institutions that purchase mortgage loans for investment or private label securitization. We may also pool FHA-insured and VA-guaranteed mortgage loans which back securities issued by Ginnie Mae. Our accrued mortgage repurchase liability represents management’s best estimate of the probable loss that we may expect to incur for the representations and warranties in the contractual provisions of our sales of mortgage loans, but there is no assurance that our losses will not materially exceed such amounts.

Our accounting estimates and risk management processes rely on management judgment, which may be supported by analytical and forecasting models. The processes we use to estimate probable credit losses for purposes of establishing the allowance for loan losses and to measure the fair value of financial instruments, certain of our liquidity and capital planning tools, as well as the processes we use to estimate the effects of changing interest rates and other market measures on our financial condition and results of operations, all depend upon management’s judgment. Management’s judgment and the data relied upon by management may be based on assumptions that prove to be inaccurate, particularly in times of market stress or other unforeseen circumstances. As a bank with total assets exceeding $10 billion we have become subject to the stress testing requirements of the Dodd-Frank Act and our forecasting and modeling requirements have increased and become more complex. Even if the relevant factual assumptions determined by management are accurate, our decisions may prove to be inadequate or inaccurate because of other flaws in the design or use of analytical tools by management. Any such failures in our processes for producing accounting estimates and managing risks could have a material adverse effect on our business, financial condition and results of operations.

Our controls and procedures may fail or be circumvented. Management regularly reviews and updates our internal controls over financial reporting, disclosure controls and procedures, and corporate governance policies and procedures. Any system of controls, however well designed and operated, is based in part on certain assumptions and can provide only reasonable, not absolute, assurances that the objectives of the system are met. Any failure or circumvention of our controls and procedures or failure to comply with regulations related to controls and procedures could have a material adverse effect on our business, results of operations and financial condition.

We must effectively manage our counterparty risk. Financial services institutions are interrelated as a result of trading, clearing, counterparty and other relationships. Our Bank has exposure to many different industries and counterparties, and routinely executes transactions with counterparties in the financial services industry, including commercial banks, brokers and dealers, investment banks, and other institutional clients. Many of these transactions expose our Bank to credit risk in the event of a default by a counterparty or client. In addition, our Bank’s credit risk may be increased when the collateral it is entitled to cannot be realized upon or is liquidated at prices not sufficient to recover the full amount of its credit or derivative exposure. Any such losses could have a material adverse effect on our business, financial condition and results of operations.

Our business is susceptible to fraud. Our business exposes us to fraud risk from our loan and deposit customers, the parties they do business with, as well as from our employees, contractors and vendors. We rely on financial and other data from new and existing customers which could turn out to be fraudulent when accepting such customers, executing their financial transactions and making and purchasing loans and other financial assets. In times of increased economic stress we are at increased risk of fraud losses. We believe we have underwriting and operational controls in place to prevent or detect such fraud, but we cannot provide assurance that these controls will be effective in detecting fraud or that we will not experience fraud losses or incur costs or other damage related to such fraud, at levels that adversely affect our financial results or reputation. Our lending customers may also experience fraud in their businesses which could adversely affect their ability to repay their loans or make use of our services. Our exposure and the exposure of our customers to fraud may increase our financial risk and reputation risk as it may result in unexpected loan losses that exceed those that have been provided for in our allowance for loan losses.

We must maintain adequate regulatory capital to support our business objectives. Under regulatory capital adequacy guidelines and other regulatory requirements, we must satisfy capital requirements based upon quantitative measures of assets, liabilities and certain off-balance sheet items. Our satisfaction of these requirements is subject to qualitative judgments by regulators that may differ materially from management’s and that are subject to being determined retroactively for prior periods. Our ability to maintain our status as a financial holding company and to continue to operate our Bank as we have in recent periods is dependent upon a number of factors, including our Bank qualifying as “well capitalized” and “well managed” under applicable prompt corrective action regulations and upon our company qualifying on an ongoing basis as “well capitalized” and “well managed” under applicable Federal Reserve regulations.

Failure to meet regulatory capital standards could have a material adverse effect on our business, including damaging the confidence of customers in us, adversely impacting our reputation and competitive position and retention of key people. Any of these developments could limit our access to:

Table of Contents


•	Brokered deposits;


•	The Federal Reserve discount window;


•	Advances from the Federal Home Loan Bank;


•	Capital markets transactions; and


•	Development of new financial services.

Failure to meet regulatory capital standards may also result in higher FDIC assessments. If we fall below guidelines for being deemed “adequately capitalized” the OCC or Federal Reserve could impose restrictions on our activities and a broad range of regulatory requirements in order to effect “prompt corrective action.” The capital requirements applicable to us are in a process of continuous evaluation and revision in connection with Basel III and the requirements of the Dodd-Frank Act. We cannot predict the final form, or the effects, of these regulations on our business, but among the possible effects are requirements that we slow our rate of growth or obtain additional capital which could reduce our earnings or dilute our existing stockholders.

We are dependent on funds obtained from capital transactions or from our Bank to fund our obligations. We are a financial holding company engaged in the business of managing, controlling and operating our Bank. We conduct no material business or other activity at the parent company level other than activities incidental to holding equity and debt investments in our Bank. As a result, we rely on the proceeds of capital transactions, payments of interest and principal on loans made to our Bank and dividends on preferred stock issued by our Bank to pay our operating expenses, to satisfy our obligations to debtholders and to pay dividends on our preferred stock. Our Bank’s ability to pay dividends may be limited. The profitability of our Bank is subject to fluctuation based upon, among other things, the cost and availability of funds, changes in interest rates and economic conditions in general. Our Bank’s ability to pay dividends to us is subject to regulatory limitations that can, under certain adverse circumstances, prohibit the payment of dividends to us. Our right to participate in any distribution from the sale or liquidation of our Bank is subject to the prior claims of our Bank’s creditors.

If we are unable to access funds from capital transactions, or dividends or interest on loan payments from our Bank, we may be unable to satisfy our obligations to creditors or debtholders or pay dividends on our preferred stock. Changes in our Bank’s operating results or capital requirements could require us to convert subordinated notes or preferred stock of our bank held by us into common equity, reducing our cash flow available to meet our obligations.

We are subject to environmental liability risk associated with lending activities. A significant portion of our loan portfolio is secured by real property. During the ordinary course of business, we may foreclose on and take title to properties securing certain loans. There is a risk that hazardous or toxic substances could be found on these properties, and that we may be liable for remediation costs, as well as for personal injury and property damage. Environmental laws may require us to incur substantial expenses and may materially reduce the affected property's value by limiting our ability to use or sell it. Although we have policies and procedures requiring environmental review before initiating any foreclosure action on real property, these reviews may not be sufficient to detect all potential environmental hazards. The remediation costs and any other financial liabilities associated with an environmental hazard could have a material adverse effect on our financial condition and results of operations. Future laws or regulations or more stringent interpretations or enforcement policies with respect to existing laws and regulations may increase our exposure to environmental liability.

Severe weather, earthquakes, other natural disasters, pandemics, acts of war or terrorism and other external events could significantly impact our business. Severe weather, earthquakes, other natural disasters, pandemics, acts of war or terrorism and other adverse external events could have a significant impact on our ability to conduct business. Such events could affect the stability of our deposit base, impair the ability of borrowers to repay outstanding loans, impair the value of collateral securing loans, cause significant property damage, result in loss of revenue and/or cause us to incur additional expenses. Hurricanes have caused extensive flooding and destruction along the coastal areas of Texas, including communities where we conduct business. Although management has established disaster recovery policies and procedures, the occurrence of any such events could have a material adverse effect on our business, financial condition and results of operations.

We are subject to claims and litigation in the ordinary course of our business, including claims that may not be covered by our insurers. Customers and other parties we engage with assert claims and take legal action against us on a regular basis and we regularly take legal action to collect unpaid borrower obligations, realize on collateral and assert our rights in commercial and other contexts. These actions frequently result in counter-claims against us. Litigation arises in a variety of contexts, including lending activities, employment practices, commercial agreements, fiduciary responsibility related to our wealth management services, intellectual property rights and other general business matters.

Claims and legal actions may result in significant legal costs to defend us or assert our rights and reputational damage that adversely affects existing and future customer relationships. If claims and legal actions are not resolved in a manner favorable to us we may suffer significant financial liability or adverse effects upon our reputation, which could have a material adverse effect on our business, financial condition and results of operations. See Legal Proceedings below for additional disclosures regarding legal proceedings.

Table of Contents

We purchase insurance coverage to mitigate a wide range of operating risks, including general liability, errors and omissions, professional liability, business interruption, cyber-crime and property loss, for events that may be materially detrimental to our Bank or customers. There is no assurance that our insurance will be adequate to protect us against material losses in excess of our coverage limits or that insurers will perform their obligations under our policies without attempting to limit or exclude coverage. We could be required to pursue legal actions against insurers to obtain payment of amounts we are owed, and there is no assurance that such actions, if pursued, would be successful.

Risks Relating to Our Securities

Our stock price can be volatile. Stock price volatility may make it more difficult for you to resell your common stock when you want and at prices you find attractive. Our stock price can fluctuate significantly in response to a variety of factors including, among other things:


•	actual or anticipated variations in quarterly and annual results of operations;


•	changes in recommendations by securities analysts;


•	changes in composition and perceptions of the investors who own our stock and other securities;


•	changes in ratings from national rating agencies on publicly or privately owned debt securities;


•	operating and stock price performance of other companies that investors deem comparable to us;


•	news reports relating to trends, concerns and other issues in the financial services industry, including regulatory actions against other financial institutions;


•	actual or expected economic conditions that are perceived to affect our company such as changes in commodity prices, real estate values or interest rates;


•	perceptions in the marketplace regarding us and/or our competitors;


•	new technology used, or services offered, by competitors;


•	significant acquisitions or business combinations, strategic partnerships, joint ventures or capital commitments by or involving us or our competitors;


•	changes in government regulations and interpretation of those regulations, changes in our practices requested or required by regulators and changes in regulatory enforcement focus; and


•	geopolitical conditions such as acts or threats of terrorism or military conflicts.

General market fluctuations, industry factors and general economic and political conditions and events, such as economic slowdowns or recessions, interest rate changes or credit loss trends, could also cause our stock price to decrease regardless of operating results as evidenced by the recent volatility and disruption of capital and credit markets.

The trading volume in our common stock is less than that of other larger financial services companies. Although our common stock is traded on the Nasdaq Global Select Market, the trading volume in our common stock is less than that of other larger financial services companies. Given the lower trading volume of our common stock, significant sales of our common stock, or the expectation of these sales, could cause our stock price to fall. In addition, a substantial majority of common stock outstanding is held by institutional shareholders, and trading activity involving large positions may increase volatility of the stock price. Concentration of ownership by institutional investors and inability to execute trades covering large numbers of shares can increase volatility of stock price. Changes in general economic outlook or perspectives on our business or prospects by our institutional investors, whether factual or speculative, can have a major impact on our stock price.

Our preferred stock is thinly traded. There is only a limited trading volume in our preferred stock due to the small size of the issue and its largely institutional holder base. Significant sales of our preferred stock, or the expectation of these sales, could cause the price of the preferred stock to fall substantially.

An investment in our securities is not an insured deposit. Our common stock, preferred stock and indebtedness are not bank deposits and, therefore, are not insured against loss by the FDIC, any other deposit insurance fund or by any other public or private entity. Investment in our common stock is inherently risky for the reasons described in this “Risk Factors” section and elsewhere in this report and is subject to the same market forces that affect the price of securities of any company. As a result, if you acquire our common stock, preferred stock or indebtedness, you may lose some or all of your investment.

The holders of our indebtedness and preferred stock have rights that are senior to those of our common stockholders. As of December 31, 2015, we had $111.0 million in subordinated notes held by our holding company and $113.4 million in junior subordinated notes outstanding that are held by statutory trusts which issued trust preferred securities to investors. At December 31, 2015 our Bank had $175.0 million in subordinated notes outstanding. Payments of the principal and interest on our trust preferred securities are conditionally guaranteed by us to the extent not paid by each trust, provided the trust has funds available for such obligations.

Table of Contents

Our subordinated notes and junior subordinated notes are senior to our shares of preferred stock and common stock in right of payment of dividends and other distributions. We must be current on interest and principal payments on our indebtedness before any dividends can be paid on our preferred stock or our common stock. In the event of our bankruptcy, dissolution or liquidation, the holders of our indebtedness must be satisfied before any distributions can be made to our preferred or common stockholders. If certain conditions are met, we have the right to defer interest payments on the junior subordinated debentures (and the related trust preferred securities) at any time or from time to time for a period not to exceed 20 consecutive quarters in a deferral period, during which time no dividends may be paid to holders of our preferred stock or common stock. Because our Bank’s subordinated notes are obligations of the Bank, they would in any sale or liquidation of our Bank receive payment before any amounts would be payable to holders of our common stock, preferred stock or subordinated notes.

At December 31, 2015, we had issued and outstanding 6 million shares of our 6.50% Non-Cumulative Perpetual Preferred Stock, Series, A, having an aggregate liquidation preference of $150.0 million. Our preferred stock is senior to our shares of common stock in right of payment of dividends and other distributions. We must be current on dividends payable to holders of preferred stock before any dividends can be paid on our common stock. In the event of our bankruptcy, dissolution or liquidation, the holders of our preferred stock must be satisfied before any distributions can be made to our common stockholders.

We do not currently pay dividends on our common stock. We have not paid dividends on our common stock and we do not expect to do so for the foreseeable future. Our ability to pay dividends is limited by regulatory restrictions and the need to maintain sufficient consolidated capital. The ability of our Bank to pay dividends to us is limited by its obligation to maintain sufficient capital and by other regulatory restrictions as discussed above at We are dependent on funds obtained from capital transactions or from our Bank to fund our obligations.

Restrictions on Ownership. The ability of a third party to acquire us is limited under applicable U.S. banking laws and regulations. The BHCA requires any bank holding company (as defined therein) to obtain the approval of the Federal Reserve prior to acquiring, directly or indirectly, more than 5% of our outstanding Common Stock. Any “company” (as defined in the BHCA) other than a bank holding company would be required to obtain Federal Reserve approval before acquiring “control” of us. “Control” generally means (i) the ownership or control of 25% or more of a class of voting securities, (ii) the ability to elect a majority of the directors or (iii) the ability otherwise to exercise a controlling influence over management and policies. A holder of 25% or more of our outstanding Common Stock, other than an individual, is subject to regulation and supervision as a bank holding company under the BHCA. In addition, under the Change in Bank Control Act of 1978, as amended, and the Federal Reserve’s regulations thereunder, any person, either individually or acting through or in concert with one or more persons, is required to provide notice to the Federal Reserve prior to acquiring, directly or indirectly, 10% or more of our outstanding common stock.

Anti-takeover provisions of our certificate of incorporation, bylaws and Delaware law may make it more difficult for you to receive a change in control premium. Certain provisions of our certificate of incorporation and bylaws could make a merger, tender offer or proxy contest more difficult, even if such events were perceived by many of our stockholders as beneficial to their interests. These provisions include advance notice for nominations of directors and stockholders' proposals, and authority to issue “blank check” preferred stock with such designations, rights and preferences as may be determined from time to time by our board of directors. In addition, as a Delaware corporation, we are subject to Section 203 of the Delaware General Corporation Law which, in general, prevents an interested stockholder, defined generally as a person owning 15% or more of a corporation's outstanding voting stock, from engaging in a business combination with our company for three years following the date that person became an interested stockholder unless certain specified conditions are satisfied.

Limitations on payment of subordinated notes. Under the FDIA, “critically undercapitalized” banks may not, beginning 60 days after becoming critically undercapitalized, make any payment of principal or interest on their subordinated debt (subject to certain limited exceptions). In addition, under Section 18(i) of the FDIA, our Bank is required to obtain the advance consent of the FDIC to retire any part of its subordinated notes. Under the FDIA, a bank may not pay interest on its subordinated notes if such interest is required to be paid only out of net profits, or distribute any of its capital assets, while it remains in default on any assessment due to the FDIC.

Our Bank’s subordinated indebtedness is unsecured and subordinate and junior in right of payment to the Bank’s obligations to its depositors, its obligations under banker’s acceptances and letters of credit, its obligations to any Federal Reserve Bank, certain obligations to the FDIC, and its obligations to its other creditors, whether now outstanding or hereafter incurred, except any obligations which expressly rank on a parity with or junior to the notes, including subordinated notes payable to the Company.


ITEM 1B.	UNRESOLVED STAFF COMMENTS

None.

Table of Contents


ITEM 2.	PROPERTIES

As of December 31, 2015, we conducted business at twelve full service banking locations and one operations center. Our operations center houses our loan and deposit operations and the customer service call center. We lease the space in which our banking centers and the operations call center are located. These leases expire between July 2016 and February 2025, not including any renewal options that may be available.

The following table sets forth the location of our executive offices, operations center and each of our banking centers.



Type of Location	Address
Executive offices, banking location	2000 McKinney Avenue
	Banking Center — Suite 190 Executive Offices — Suite 700
	Dallas, Texas 75201

Operations center, banking location	2350 Lakeside Drive Banking Center — Suite 105
	Operations Center — Suite 800
	Richardson, Texas 75082

Banking location	14131 Midway Road
	Suite 100
	Addison, Texas 75001

Banking location	5910 North Central Expressway
	Suite 150
	Dallas, Texas 75206

Banking location	5800 Granite Parkway
	Suite 150
	Plano, Texas 75024

Executive offices, banking location	300 Throckmorton
	Banking center — Suite 100 Executive offices — Suite 200
	Fort Worth, Texas 76102

Executive offices, banking location	98 San Jacinto Boulevard Banking center — Suite 150 Executive offices — Suite 200
	Austin, Texas 78701

Banking location	Westlake Hills
	3818 Bee Caves Road
	Austin, Texas 78746

Executive offices, banking location	745 East Mulberry Street
	Banking center — Suite 150 Executive offices — Suite 350
	San Antonio, Texas 78212

Banking location	7373 Broadway
	Suite 100
	San Antonio, Texas 78209

Executive offices, banking location	One Riverway
	Banking center — Suite 150 Executive offices — Suite 2100
	Houston, Texas 77056

Banking location	Westway II
	4424 West Sam Houston Parkway N.
	Suite 170
	Houston, TX 77041

Executive offices	Kempwood
	2930 West Sam Houston Parkway North
	Executive offices — Suite 300
	Houston, Texas 77056

Table of Contents


ITEM 3.	LEGAL PROCEEDINGS

The Company is subject to various claims and legal actions that may arise in the course of conducting its business. Management does not expect the disposition of any of these matters to have a material adverse impact on the Company’s financial statements or results of operations.


ITEM 4.	MINE SAFETY DISCLOSURES

Not applicable.


ITEM 5.	MARKET FOR REGISTRANT’S COMMON EQUITY, RELATED STOCKHOLDER MATTERS AND ISSUER PURCHASES OF EQUITY SECURITIES

Our common stock is traded on The Nasdaq Global Select Market under the symbol “TCBI”. On February 16, 2016, there were approximately 208 holders of record of our common stock.

No cash dividends have ever been paid by us on our common stock, and we do not anticipate paying any cash dividends in the foreseeable future. Our principal source of funds to pay cash dividends on our common stock would be cash dividends from our Bank. The payment of dividends by our Bank is subject to certain restrictions imposed by federal banking laws, regulations and authorities.

The following table presents the range of high and low bid prices reported on The Nasdaq Global Select Market for each of the four quarters of 2014 and 2015.



	Price Per Share
Quarter Ended	High		Low
March 31, 2014	$	67.08	$	56.45
June 30, 2014	66.62		50.76
September 30, 2014	60.74		49.90
December 31, 2014	62.07		51.58

March 31, 2015	54.81		40.40
June 30, 2015	63.70		47.55
September 30, 2015	63.25		48.01
December 31, 2015	61.83		46.25

Table of Contents

Stock Performance Graph

The following table and graph sets forth the cumulative total stockholder return for the Company’s common stock for the five-year period ending on December 31, 2015, compared to an overall stock market index (Russell 2000 Index) and the Company’s peer group index (Nasdaq Bank Index). The Russell 2000 Index and Nasdaq Bank Index are based on total returns assuming reinvestment of dividends. The graph assumes an investment of $100 on December 31, 2010. The performance graph represents past performance and should not be considered to be an indication of future performance.



	12/31/2010		12/31/2011		12/31/2012		12/31/2013		12/31/2014		12/31/2015
Texas Capital
Bancshares, Inc.	$	100.00	$	143.44	$	210.03	$	291.47	$	254.59	$	231.58
Russell 2000
Index (RTY)	100.00		94.84		108.76		148.62		154.03		145.49
Nasdaq Bank
Index (CBNK)	100.00		87.87		101.94		140.62		144.88		154.61

Source: Bloomberg

Table of Contents


ITEM 6.	SELECTED CONSOLIDATED FINANCIAL DATA

You should read the selected financial data presented below in conjunction with “Management’s Discussion and Analysis of Financial Condition and Results of Operations” and our consolidated financial statements and the related notes appearing elsewhere in this Form 10-K.



	At or For the Year Ended December 31,
	2015		2014		2013		2012		2011
	(In thousands, except per share, average share and percentage data)
Consolidated Operating Data(1)
Interest income	$	602,958	$	514,547	$	444,625	$	398,457	$	321,600
Interest expense	46,428		37,582		25,112		21,578		18,663
Net interest income	556,530		476,965		419,513		376,879		302,937
Provision for credit losses	53,250		22,000		19,000		11,500		28,500
Net interest income after provision for credit losses	503,280		454,965		400,513		365,379		274,437
Non-interest income	47,738		42,511		44,024		43,040		32,232
Non-interest expense	326,523		285,114		256,729		219,881		188,327
Income before income taxes	224,495		212,362		187,808		188,538		118,342
Income tax expense	79,641		76,010		66,757		67,866		42,366
Net income	144,854		136,352		121,051		120,672		75,976
Preferred stock dividends	9,750		9,750		7,394		—		—
Net income available to common stockholders	$	135,104	$	126,602	$	113,657	$	120,672	$	75,976
Consolidated Balance Sheet Data(1)
Total assets	$	18,909,139	$	15,905,713	$	11,720,064	$	10,540,844	$	8,137,618
Loans held for sale	86,075		—		—		—		—
Loans held for investment	11,745,674		10,154,887		8,486,603		6,785,837		5,572,764
Loans held for investment, mortgage finance loans	4,966,276		4,102,125		2,784,265		3,175,272		2,080,081
Liquidity assets	2,708,352		444,673		144,050		72,689		129,631
Securities available-for-sale	29,992		41,719		63,214		100,195		143,710
Demand deposits	6,386,911		5,011,619		3,347,567		2,535,375		1,751,944
Total deposits	15,084,619		12,673,300		9,257,379		7,440,804		5,556,257
Federal funds purchased and repurchase agreements	143,051		92,676		170,604		297,115		436,050
Other borrowings	1,500,000		1,100,005		855,026		1,650,046		1,332,066
Subordinated notes	286,000		286,000		111,000		111,000		—
Trust preferred subordinated debentures	113,406		113,406		113,406		113,406		113,406
Stockholders’ equity	1,623,533		1,484,190		1,096,350		836,242		616,331

Table of Contents



	At or For the Year Ended December 31,
	2015			2014			2013			2012			2011
	(In thousands, except per share, average share and percentage data)
Other Financial Data
Income per share
Basic	$	2.95		$	2.93		$	2.78		$	3.09		$	2.03
Diluted	2.91			2.88			2.72			3.00			1.98
Tangible book value per share	31.69			28.72			22.54			20.04			15.82
Book value per share	32.12			29.17			23.06			20.53			16.36
Weighted average shares
Basic	45,808,440			43,236,344			40,864,225			39,046,340			37,334,743
Diluted	46,437,872			44,003,256			41,779,881			40,165,847			38,333,077
Selected Financial Ratios
Performance Ratios
Net interest margin	3.14		%	3.78		%	4.22		%	4.41		%	4.68		%
Return on average assets	0.79		%	1.05		%	1.17		%	1.35		%	1.12		%
Return on average equity	9.65		%	11.31		%	12.82		%	16.93		%	13.39		%
Efficiency ratio	54.04		%	54.88		%	55.39		%	52.35		%	56.15		%
Non-interest expense to average earning assets	1.84		%	2.26		%	2.58		%	2.57		%	2.90		%
Asset Quality Ratios
Net charge-offs (recoveries) to average LHI	0.07		%	0.05		%	0.05		%	0.07		%	0.47		%
Net charge-offs (recoveries) to average LHI excluding mortgage finance loans	0.10		%	0.07		%	0.07		%	0.10		%	0.58		%
Allowance for loan losses to LHI	0.84		%	0.71		%	0.78		%	0.75		%	0.92		%
Allowance for loan losses to LHI excluding mortgage finance loans	1.20		%	0.99		%	1.03		%	1.10		%	1.26		%
Allowance for loan losses to non-accrual loans	.8x			2.3x			2.7x			1.3x			1.3x
Non-accrual loans to LHI	1.08		%	0.30		%	0.29		%	0.56		%	0.71		%
Non-accrual loans to LHI excluding mortgage finance loans	1.53		%	0.43		%	0.38		%	0.82		%	0.98		%
Total NPAs to LHI plus OREO	1.08		%	0.31		%	0.33		%	0.72		%	1.17		%
Total NPAs to LHI excluding mortgage finance loans plus OREO	1.53		%	0.43		%	0.44		%	1.06		%	1.61		%
Capital and Liquidity Ratios(2)
CET1	7.47		%	7.89		%	N/A			N/A			N/A
Total capital ratio	11.05		%	11.83		%	10.73		%	9.97		%	9.25		%
Tier 1 capital ratio	8.81		%	9.46		%	9.15		%	8.27		%	8.38		%
Tier 1 leverage ratio	8.92		%	10.76		%	10.87		%	9.41		%	8.78		%
Average equity/average assets	8.51		%	9.75		%	9.68		%	7.95		%	8.33		%
Tangible common equity/total tangible assets	7.69		%	8.26		%	7.87		%	7.73		%	7.29		%
Average net loans/average deposits	101.71		%	111.57		%	116.25		%	129.97		%	115.68		%


(1)	The consolidated operating data and consolidated balance sheet data presented above for the five most recent fiscal years have been derived from our audited consolidated financial statements. The historical results are not necessarily indicative of the results to be expected in any future period.


(2)	The Basel III Capital Rules specifying the CET1 ratio became effective on January 1, 2015.

Table of Contents


ITEM 7.	MANAGEMENT’S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

Forward-Looking Statements

Certain statements and financial analysis contained in this report that are not historical facts are forward-looking statements made pursuant to the safe harbor provisions of federal securities laws. Forward-looking statements may also be contained in our future filings with SEC, in press releases and in oral and written statements made by us or with our approval that are not statements of historical fact. These forward-looking statements are based on our beliefs, assumptions and expectations of our future performance taking into account all information currently available to us. Words such as “believes,” “expects,” “estimates,” “anticipates,” “plans,” “goals,” “objectives,” “expects,” “intends,” “seeks,” “likely,” “targeted,” “continue,” “remain,” “will,” “should,” “may” and other similar expressions are intended to identify forward-looking statements but are not the exclusive means of identifying such statements.

Forward-looking statements may include, among other things, statements about the credit quality of our loan portfolio, economic conditions, including the continued impact on our customers from declines and volatility in oil and gas prices, expectations regarding rates of default or loan losses, volatility in the mortgage industry, our business strategies and our expectations about future financial performance, future growth and earnings, the appropriateness of our allowance for loan losses and provision for loan losses, the impact of increased regulatory requirements on our business, increased competition, interest rate risk, new lines of business, new product or service offerings and new technologies.

Forward-looking statements are subject to various risks and uncertainties, which change over time, are based on management’s expectations and assumptions at the time the statements are made and are not guarantees of future results. Important factors that could cause actual results to differ materially from the forward-looking statements include, but are not limited to, the following:


•	Deterioration of the credit quality of our loan portfolio or declines in the value of collateral related to external factors such as commodity prices or interest rates, increased default rates and loan losses or adverse changes in the industry concentrations of our loan portfolio.


•	Changes in the U.S. economy in general or the Texas economy specifically resulting in deterioration of credit quality or reduced demand for credit or other financial services we offer, including declines and volatility in oil and gas prices.


•	Changing economic conditions or other developments adversely affecting our commercial, entrepreneurial and professional customers.


•	Changes in the value of commercial and residential real estate securing our loans or in the demand for credit to support the purchase and ownership of such assets.


•	The failure to correctly assess and model the assumptions supporting our allowance for loan losses, causing it to become inadequate in the event of decreases in loan quality and increases in charge-offs.


•	Adverse changes in economic or market conditions, or our operating performance, which could cause access to capital market transactions and other sources of funding to become more difficult to obtain on terms and conditions that are acceptable to us.


•	The inadequacy of our available funds to meet our deposit, debt and other obligations as they become due, or our failure to maintain our capital ratios as a result of adverse changes in our operating performance or financial condition.


•	The failure to effectively balance our funding sources with cash demands by depositors and borrowers.


•	The failure to effectively manage our interest rate risk resulting from unexpectedly large or sudden changes in interest rates or rate or maturity imbalances in our assets and liabilities.


•	The failure to successfully expand into new markets, develop and launch new lines of business or new products and services within the expected timeframes and budgets or to successfully manage the risks related to the development and implementation of these new businesses, products or services.


•	The failure to attract and retain key personnel or the loss of key individuals or groups of employees.


•	The failure to manage our information systems risk or to prevent cyber attacks against us or our third party vendors.


•	Legislative and regulatory changes imposing further restrictions and costs on our business, a failure to remain well capitalized or well managed or regulatory enforcement actions against us.


•	Adverse changes in economic or business conditions that impact the financial markets or our customers.


•	Increased or more effective competition from banks and other financial service providers in our markets.


•	Uncertainty in the pricing of mortgage loans that we purchase, and later sell or securitize, as well as competition for the MSRs related to these loans and related interest rate risk resulting from retaining MSRs.

Table of Contents


•	Material failures of our accounting estimates and risk management processes based on management judgment, or the supporting analytical and forecasting models.


•	Failure of our risk management strategies and procedures, including failure or circumvention of our controls.


•	An increase in the incidence or severity of fraud, illegal payments, security breaches and other illegal acts impacting our Bank and our customers.


•	Structural changes in the markets for origination, sale and servicing of residential mortgages.


•	Unavailability of funds obtained from capital transactions or from our Bank to fund our obligations.


•	Failures of counterparties or third party vendors to perform their obligations.


•	Environmental liability associated with properties related to our lending activities.


•	Severe weather, natural disasters, acts of war or terrorism and other external events.


•	Incurrence of material costs and liabilities associated with legal and regulatory proceedings and related matters with respect to the financial services industry, including those directly involving us or our Bank.

Actual outcomes and results may differ materially from what is expressed in our forward-looking statements and from our historical financial results due to the factors discussed elsewhere in this report or disclosed in our other SEC filings. Forward-looking statements included herein speak only as of the date hereof and should not be relied upon as representing our expectations or beliefs as of any date subsequent to the date of this report. Except as required by law, we undertake no obligation to revise any forward-looking statements contained in this report, whether as a result of new information, future events or otherwise. The factors discussed herein are not intended to be a complete summary of all risks and uncertainties that may affect our businesses. Though we strive to monitor and mitigate risk, we cannot anticipate all potential economic, operational and financial developments that may adversely impact our operations and our financial results. Forward-looking statements should not be viewed as predictions and should not be the primary basis upon which investors evaluate an investment in our securities.

Overview of Our Business Operations

We commenced our banking operations in December 1998. An important aspect of our growth strategy has been our ability to service and manage effectively a large number of loans and deposit accounts in multiple markets in Texas, as well as several lines of business serving a regional or national clientele of commercial borrowers. Accordingly, we have created an operations infrastructure sufficient to support our lending and banking operations that we continue to build out as needed to serve a larger customer base and specialized industries.

In the third quarter of 2015, we launched a correspondent lending program, MCA, to complement our warehouse lending program. Through our MCA program we commit to purchase residential mortgage loans from independent correspondent lenders and deliver those loans into the secondary market via whole loan sales to independent third parties or in securitization transactions to GSEs such as Fannie Mae, Freddie Mac and Ginnie Mae. We retain the MSRs in some cases with the expectation that they will be sold from time to time. Once purchased, these loans are classified as held for sale and are carried at fair value pursuant to our election of the fair value option. At the commitment date, we enter into a corresponding forward sale commitment with a third party, typically a GSE, to deliver the loans to the GSE within a specified timeframe. The estimated gain/loss for the entire transaction (from initial purchase commitment to final delivery of loans) is recorded as an asset or liability. Fair value is derived from observable current market prices, when available, and includes the fair value of the MSRs. At December 31, 2015, we had $86.1 million in loans held for sale related to MCA.

The following discussion and analysis presents the significant factors affecting our financial condition as of December 31, 2015 and 2014 and results of operations for each of the three years related to the periods ended December 31, 2015, 2014 and 2013. This discussion should be read in conjunction with our consolidated financial statements and notes to the financial statements appearing later in this report.

Year ended December 31, 2015 compared to year ended December 31, 2014

We reported net income of $144.9 million and net income available to common stockholders of $135.1 million, or $2.91 per diluted common share, for the year ended December 31, 2015, compared to net income of $136.4 million and net income available to common stockholders of $126.6 million, or $2.88 per diluted common share, for the same period in 2014. Return on average equity ("ROE") was 9.65% and return on average assets ("ROA") was 0.79% for the year ended December 31, 2015, compared to 11.31% and 1.05%, respectively, for the same period in 2014. The decrease in ROE and essentially flat earnings per share for 2015 compared to 2014 reflect the dilutive effect of the fourth quarter 2014 offering of 2.5 million common shares for net proceeds of $149.6 million. The ROA decrease resulted from a combination of reduced yields on loans and a $2.3 billion increase in average liquidity assets for the year ended December 31, 2015 compared to the same period of 2014.

Table of Contents

Net income increased $8.5 million for the year ended December 31, 2015 compared to 2014. The $8.5 million increase was primarily the result of a $79.6 million increase in net interest income and a $5.2 million increase in non-interest income, offset by a $31.3 million increase in the provision for credit losses, a $41.4 million increase in non-interest expense and a $3.6 million decrease in income tax expense.

Year ended December 31, 2014 compared to year ended December 31, 2013

We reported net income of $136.4 million and net income available to common stockholders of $126.6 million, or $2.88 per diluted common share, for the year ended December 31, 2014, compared to net income of $121.1 million and net income available to common stockholders of $113.7 million, or $2.72 per diluted common share, for the same period in 2013. Return on average equity ("ROE") was 11.31% and return on average assets ("ROA") was 1.05% for the year ended December 31, 2014, compared to 12.82% and 1.17%, respectively, for the same period in 2013. During 2014, we completed a $175.0 million subordinated debt offering and two equity offerings totaling 4.4 million common shares, which increased common equity by $256.2 million. These transactions had the effect of reducing ROE during 2014. The ROA decrease resulted from the subordinated debt offering and from a combination of reduced yields on loans and an increase in average liquidity assets for the year ended December 31, 2014 compared to the same period of 2013.

Net income increased $15.3 million for the year ended December 31, 2014 compared to 2013. The $15.3 million increase was primarily the result of a $57.5 million increase in net interest income, offset by a $3.0 million increase in the provision for credit losses, a $1.5 million decrease in non-interest income, a $28.4 million increase in non-interest expense and a $9.3 million increase in income tax expense.

Net Interest Income

Net interest income was $556.5 million for the year ended December 31, 2015 compared to $477.0 million for the same period of 2014. The increase in net interest income was primarily due to an increase of $5.1 billion in average earning assets as compared to the same period of 2014. The increase in average earning assets included a $2.9 billion increase in average net loans and a $2.3 billion increase in liquidity assets. For the year ended December 31, 2015, average net loans, liquidity assets and securities represented 84%, 15% and less than 1%, respectively, of average earning assets compared to 96%, 4% and 1%, respectively, in 2014.

Average interest-bearing liabilities for the year ended December 31, 2015 increased $2.6 billion from the year ended December 31, 2014, which included a $1.6 billion increase in interest-bearing deposits and a $1.0 billion increase in other borrowings. For the same periods, the average balance of demand deposits increased to $6.4 billion from $4.2 billion. The average cost of total deposits and borrowed funds remained flat at 0.17% for the year ended December 31, 2015, compared to the same period in the prior year. The average cost of interest-bearing liabilities decreased from 0.50% for the year ended December 31, 2014 to 0.46% for the same period of 2015.

Net interest income was $477.0 million for the year ended December 31, 2014 compared to $419.5 million for the same period of 2013. The increase in net interest income was primarily due to an increase of $2.7 billion in average earning assets as compared to the same period of 2013. The increase in average earning assets included a $2.4 billion increase in average net loans and a $300.6 million increase in liquidity assets. For the year ended December 31, 2014, average net loans, liquidity assets and securities represented 96%, 4% and less than 1%, respectively, of average earning assets compared to 98%, 1% and 1%, respectively, in 2013.

Average interest-bearing liabilities for the year ended December 31, 2014 increased $1.2 billion from the year ended December 31, 2013, which included a $1.3 billion increase in interest-bearing deposits and a $160.6 million increase in long-term debt as a result of the Bank's issuance of subordinated notes in January 2014, offset by a $273.4 million decrease in other borrowings. For the same periods, the average balance of demand deposits increased to $4.2 billion from $3.0 billion. The average cost of total deposits and borrowed funds remained flat at 0.17% for the year ended December 31, 2014, compared to the same period in the prior year. The total cost of interest-bearing liabilities included $8.7 million attributable to the $175.0 million in long-term subordinated debt issued in January 2014. Including the increase in long-term subordinated debt during 2014, the average cost of interest-bearing liabilities increased from 0.40% for the year ended December 31, 2013 to 0.50% for the same period of 2014.

Volume/Rate Analysis

The following table presents the changes (in thousands) in taxable-equivalent net interest income and identifies the changes due to differences in the average volume of earning assets and interest-bearing liabilities and the changes due to differences in the average interest rate on those assets and liabilities.

Table of Contents



	Years Ended December 31,
	2015/2014									2014/2013
	Net Change			Change Due To(1)						Net Change			Change Due To(1)
	Net Change			Volume			Yield/Rate(2)			Net Change			Volume			Yield/Rate(2)
Interest income:
Securities	$	(672	)	$	(622	)	$	(50	)	$	(1,430	)	$	(1,330	)	$	(100	)
Loans held for sale	243			243			—			—			—			—
Loans held for investment, mortgage finance loans	25,616			33,288			(7,672		)	6,197			22,763			(16,566		)
Loans held for investment	57,264			83,268			(26,004		)	64,095			84,854			(20,759		)
Federal funds sold	475			459			16			142			35			107
Deposits in other banks	5,387			5,217			170			675			700			(25		)
Total	88,313			121,853			(33,540		)	69,679			107,022			(37,343		)
Interest expense:
Transaction deposits	1,677			702			975			274			38			236
Savings deposits	4,399			2,852			1,547			3,808			3,312			496
Time deposits	1,005			363			642			—			82			(82		)
Deposits in foreign branches	(648		)	(616		)	(32		)	33			55			(22		)
Other borrowings	1,789			1,966			(177		)	(473		)	(510		)	37
Long-term debt	624			858			(234		)	8,828			10,602			(1,774		)
Total	8,846			6,125			2,721			12,470			13,579			(1,109		)
Net interest income	$	79,467		$	115,728		$	(36,261	)	$	57,209		$	93,443		$	(36,234	)


(1)	Changes attributable to both volume and yield/rate are allocated to both volume and yield/rate on an equal basis.


(2)	Taxable equivalent rates used where applicable assuming a 35% tax rate.

Net interest margin, which is defined as the ratio of net interest income to average earning assets, decreased from 3.78% for 2014 to 3.14% for 2015. This 64 basis point decrease was due to the growth in loans with lower yields and the $2.3 billion increase in average balances of liquidity assets, which include Federal funds sold and deposits held principally at the Federal Reserve Bank of Dallas. Funding costs, including demand deposits and borrowed funds, remained at .17% for 2015 compared to .17% for 2014. The spread on total earning assets, net of the cost of deposits and borrowed funds, was 3.23% for 2015 compared to 3.91% for 2014. The decrease resulted from the reduction in yields on total loans, as well as the increased proportion of liquidity assets to total earning assets. Total funding costs, including all deposits, long-term debt and stockholders' equity decreased to .25% for 2015 compared to .29% for 2014. Average long-term debt increased by $14.4 million from 2014 and the average interest rate on long-term debt for 2015 was 4.84% compared to 4.85% for 2014.

Net interest margin decreased from 4.22% for 2013 to 3.78% for 2014. This 44 basis point decrease was due to the growth in loans with lower yields, the impact of the January 2014 subordinated note offering and the $300.6 million increase in average balances of liquidity assets, which includes Federal funds sold and deposits in other banks. Funding costs, including demand deposits and borrowed funds, remained at .17% for 2014 compared to .17% for 2013. The spread on total earning assets, net of the cost of deposits and borrowed funds, was 3.91% for 2014 compared to 4.30% for 2013. The decrease resulted from the reduction in yields on total loans, primarily due to the increased proportion of mortgage finance loans to total loans. Total funding costs, including all deposits, long-term debt and stockholders' equity increased to .29% for 2014 compared to .24% for 2013. Average long-term debt increased by $160.6 million from 2013 and the average interest rate on long-term debt for 2014 was 4.85% compared to 4.40% for 2013.

Table of Contents

Consolidated Daily Average Balances, Average Yields and Rates



	Year ended December 31,
	2015						2014						2013
	Average Balance		Revenue / Expense(1)		Yield / Rate(2)		Average Balance		Revenue / Expense(1)		Yield / Rate(2)		Average Balance		Revenue / Expense(1)		Yield / Rate(2)
Assets
Securities—taxable	$	33,616	$	1,197	3.56	%	$	43,029	$	1,590	3.70	%	$	59,031	$	2,325	3.94	%
Securities—non-taxable	1,544		87		5.63	%	6,171		366		5.93	%	18,147		1,061		5.85	%
Federal funds sold	269,610		682		0.25	%	83,816		207		0.25	%	54,547		65		0.12	%
Deposits in other banks	2,438,742		6,293		0.26	%	360,857		906		0.25	%	89,503		231		0.26	%
Loans held for sale	6,359		243		3.82	%	—		—		—	%	—		—		—	%
Loans held for investment, mortgage finance	3,992,548		119,677		3.00	%	2,948,938		94,061		3.19	%	2,342,149		87,864		3.75	%
Loans held for investment	11,113,520		474,809		4.27	%	9,265,435		417,545		4.51	%	7,471,676		353,450		4.73	%
Less reserve for loan losses	114,965		—		—		91,363		—		—		78,282		—		—
Loans, net	14,991,103		594,486		3.97	%	12,123,010		511,606		4.22	%	9,735,543		441,314		4.53	%
Total earning assets	17,740,974		602,988		3.40	%	12,616,883		514,675		4.08	%	9,956,771		444,996		4.47	%
Cash and other assets	486,129						399,728						391,633
Total assets	$	18,227,103					$	13,016,611					$	10,348,404
Liabilities and stockholders’ equity
Transaction deposits	$	1,680,220	$	2,615	0.16	%	$	960,812	$	938	0.10	%	$	908,415	$	664	0.07	%
Savings deposits	5,920,046		18,738		0.32	%	4,938,039		14,339		0.29	%	3,756,560		10,531		0.28	%
Time deposits	510,378		2,634		0.52	%	417,317		1,629		0.39	%	397,329		1,629		0.41	%
Deposits in foreign branches	181,657		591		0.33	%	361,203		1,239		0.34	%	345,506		1,206		0.35	%
Total interest-bearing deposits	8,292,301		24,578		0.30	%	6,677,371		18,145		0.27	%	5,407,810		14,030		0.26	%
Other borrowings	1,382,013		2,535		0.18	%	379,877		746		0.20	%	653,318		1,219		0.19	%
Subordinated notes	286,000		16,764		5.86	%	271,617		16,202		5.97	%	111,000		7,327		6.60	%
Trust preferred subordinated debentures	113,406		2,551		2.25	%	113,406		2,489		2.19	%	113,406		2,536		2.24	%
Total interest-bearing liabilities	10,073,720		46,428		0.46	%	7,442,271		37,582		0.50	%	6,285,534		25,112		0.40	%
Demand deposits	6,447,147						4,188,173						2,967,063
Other liabilities	155,960						116,566						94,592
Stockholders’ equity	1,550,276						1,269,601						1,001,215
Total liabilities and stockholders’ equity	$	18,227,103					$	13,016,611					$	10,348,404

Net interest income			$	556,560					$	477,093					$	419,884
Net interest margin					3.14	%					3.78	%					4.22	%
Net interest spread					2.94	%					3.58	%					4.07	%
Loan spread(3)					3.80	%					4.05	%					4.36	%


(1)	The loan averages include non-accrual loans which are stated net of unearned income. Loan interest income includes loan fees totaling $55.8 million, $50.0 million and $37.8 million for the years ended December 31, 2015, 2014 and 2013, respectively.


(2)	Taxable equivalent rates used where applicable assuming a 35% tax rate.


(3)	Yield on loans, net of reserves, less funding cost including all deposits and borrowed funds.

Table of Contents

Non-interest Income



	Year ended December 31,
	2015		2014		2013
	(in thousands)
Service charges on deposit accounts	$	8,323	$	7,253	$	6,783
Trust fee income	5,022		4,937		5,023
Bank owned life insurance (BOLI) income	2,011		2,067		1,917
Brokered loan fees	18,661		13,981		16,980
Swap fees	4,275		2,992		5,520
Other	9,446		11,281		7,801
Total non-interest income	$	47,738	$	42,511	$	44,024

Non-interest income increased by $5.2 million during the year ended December 31, 2015 to $47.7 million, compared to $42.5 million for the same period in 2014. This increase was primarily due to a $4.7 million increase in brokered loan fees as a result of an increase in mortgage finance volumes. Swap fee income increased $1.3 million during 2015 compared to the same period of 2014. Swap fees are fees related to customer swap transactions, are received from the institution that is our counterparty on the transaction and fluctuate from time to time based on the number and volume of transactions closed during the year. Service charges increased $1.0 million during 2015 compared to the same period of 2014 as a result of an increase in deposit balances year-over-year. Offsetting these increases was a $1.8 million decrease in other non-interest income. Other non-interest income includes such items as letter of credit fees, gain on sale of loans held for sale, servicing fees related to the MCA program and other general operating income, none of which account for 1% or more of total interest income and non-interest income.

Non-interest income decreased by $1.5 million during the year ended December 31, 2014 to $42.5 million, compared to $44.0 million during the same period in 2013. This decrease was primarily due to a $3.0 million decrease in brokered loan fees as a result of lower per loan fees in our mortgage finance business. Swap fee income decreased $2.5 million during 2014 compared to the same period of 2013. These fees fluctuate from time to time based on the number and volume of transactions closed during the quarter. Swap fees are fees related to customer swap transactions and are received from the institution that is our counterparty on the transaction. Offsetting these decreases was a $3.5 million increase in other non-interest income. Other non-interest income includes such items as letter of credit fees and other general operating income, none of which account for 1% or more of total interest income and non-interest income.

While management expects continued growth in certain components of non-interest income, the future rate of growth could be affected by increased competition from nationwide and regional financial institutions and general economic conditions. In order to achieve continued growth in non-interest income, we may need to introduce new products, enter into new lines of business or expand existing lines of business. Any new product introduction or new market entry could place additional demands on capital and managerial resources and introduce new risks to our business.

Non-interest Expense



	Year ended December 31,
	2015		2014		2013
	(in thousands)
Salaries and employee benefits	$	192,610	$	169,051	$	157,752
Net occupancy expense	23,182		20,866		16,821
Marketing	16,491		15,989		16,203
Legal and professional	22,150		21,182		18,104
Communications and technology	21,425		18,667		13,762
FDIC insurance assessment	17,231		10,919		8,057
Litigation settlement expense	—		—		(908		)
Other(1)	33,434		28,440		26,938
Total non-interest expense	$	326,523	$	285,114	$	256,729


(1)	Other expense includes such items as courier expenses, regulatory assessments other than FDIC insurance, due from bank charges, allowance and other carrying costs for OREO and other general operating expenses, none of which account for 1% or more of total interest income and non-interest income.

Table of Contents

Non-interest expense for the year ended December 31, 2015 increased $41.4 million compared to the same period of 2014 primarily related to increases in salaries and employee benefits, net occupancy expense, legal and professional expense, communications and data processing, FDIC insurance assessment and other non-interest expense.

Salaries and employee benefits expense increased $23.6 million to $192.6 million during the year ended December 31, 2015. This increase resulted primarily from general business growth and continued build-out.

Net occupancy expense for the year ended December 31, 2015 increased $2.3 million as a result of general business growth and continued build-out needed to support our growth.

Legal and professional expense increased $968,000, or 5%, for the year ended December 31, 2015 compared to the same period in 2014. Our legal and professional expense will continue to fluctuate from year to year and could increase in the future due to additional growth and as we respond to continued regulatory changes and strategic initiatives.

Communications and technology expense increased $2.8 million to $21.4 million during the year ended December 31, 2015 as a result of general business and customer growth and continued build-out needed to support that growth, including investment in IT security.

FDIC insurance assessment expense increased $6.3 million from $10.9 million in 2014 to $17.2 million primarily as a result of the increase in total assets from December 31, 2014 to December 31, 2015.

Non-interest expense for the year ended December 31, 2014 increased $28.4 million compared to the same period of 2013 primarily related to increases in salaries and employee benefits, net occupancy expense, legal and professional expense, communications and data processing and FDIC insurance assessment, offset by a decrease in allowance and other carrying costs for OREO.

Salaries and employee benefits expense increased $11.3 million to $169.1 million during the year ended December 31, 2014. This increase resulted primarily from general business growth.

Net occupancy expense for the year ended December 31, 2014 increased $4.0 million as a result of general business growth and continued build-out needed to support our growth.

Legal and professional expense increased $3.1 million, or 17%, for the year ended December 31, 2014 compared to the same period in 2013. Our legal and professional expense will continue to fluctuate from year to year and could increase in the future with growth and as we respond to continued regulatory changes and strategic initiatives.

Communications and technology expense increased $4.9 million to $18.7 million during the year ended December 31, 2014 as a result of general business and customer growth and continued build-out needed to support that growth.

FDIC insurance assessment expense increased $2.8 million from $8.1 million in 2013 to $10.9 million primarily as a result of the difference in rates applied to banks with over $10 billion in assets.

For the year ended December 31, 2014, allowance and other carrying costs for OREO decreased $1.7 million to $85,000, which is consistent with the decrease in our OREO balances during 2014.

Analysis of Financial Condition

Loans Held for Investment

Our total loans held for investment have grown at an annual rate of 17%, 26% and 13% in 2015, 2014 and 2013, respectively, reflecting the continued build-up of our lending operations. Our business plan focuses primarily on lending to middle market businesses and successful professionals and entrepreneurs, and as such, commercial, real estate and construction loans have comprised a majority of our loan portfolio, representing 70% of total loans held for investment at December 31, 2015. Consumer loans generally have represented 1% or less of the portfolio from December 31, 2011 to December 31, 2015. Mortgage finance loans relate to our mortgage warehouse lending operations in which we invest in mortgage loan ownership interests that are typically sold within 10 to 20 days. Mortgage finance loan volumes fluctuate based on the level of market demand for the product and the number of days between purchase and sale of the loans, as well as overall market interest rates and tend to peak at the end of each month.

We originate a substantial majority of all loans held for investment (excluding mortgage finance loans). We also participate in syndicated loan relationships, both as a participant and as an agent. As of December 31, 2015, we had $1.8 billion in syndicated loans, $410.3 million of which we administer as agent. All syndicated loans, whether we act as agent or participant, are underwritten to the same standards as all other loans we originate. As of December 31, 2015, $66.5 million of our syndicated loans were on non-accrual.

Table of Contents

The following table summarizes our loans held for investment on a gross basis by major category as of the dates indicated (in thousands):



	December 31,
	2015		2014		2013		2012		2011
Commercial	$	6,672,631	$	5,869,219	$	5,020,565	$	4,106,419	$	3,275,150
Mortgage finance	4,966,276		4,102,125		2,784,265		3,175,272		2,080,081
Construction	1,851,717		1,416,405		1,262,905		737,637		422,026
Real estate	3,139,197		2,807,127		2,146,522		1,892,753		1,819,644
Consumer	25,323		19,699		15,350		19,493		24,822
Equipment leases	113,996		99,495		93,160		69,470		61,792
Total loans held for investment	$	16,769,140	$	14,314,070	$	11,322,767	$	10,001,044	$	7,683,515

For additional information on the types of loans we originate, see Note 3 - Loans Held for Investment and Allowance for Loan Losses in the accompanying notes to the consolidated financial statements included elsewhere in this report.

Portfolio Geographic and Industry Concentrations

As of December 31, 2015, a majority of our loans held for investment, excluding our mortgage finance loans and other national lines of business, were to businesses with headquarters and operations in Texas. This geographic concentration subjects the loan portfolio to the general economic conditions within this area. We also make loans to these customers that are secured by assets located outside of Texas. The risks created by this concentration have been considered by management in the determination of the adequacy of the allowance for loan losses. Management believes the allowance for loan losses is appropriate to cover estimated losses inherent in the loan portfolio at each balance sheet date.

The table below summarizes the industry concentrations of our funded loans held for investment on a gross basis at December 31, 2015.



(in thousands except percentage data)	Amount		Percent of Total Loans Held for Investment
Services	$	6,053,929	36.1	%
Mortgage finance loans	4,966,276		29.6	%
Contracting—construction and real estate development	1,698,011		10.1	%
Investors and investment management companies	1,363,084		8.1	%
Petrochemical and mining	1,186,723		7.1	%
Manufacturing	554,702		3.3	%
Wholesale	318,382		1.9	%
Personal/household	216,144		1.3	%
Retail	214,603		1.3	%
Contracting—trades	138,924		0.8	%
Government	44,166		0.3	%
Agriculture	14,196		0.1	%
Total loans held for investment	$	16,769,140	100.0	%

Table of Contents

Excluding our mortgage finance business, our largest concentration in any single industry is in services. Loans extended to borrowers within the services industries include loans to finance working capital and equipment, as well as loans to finance investment and owner-occupied real estate. Significant trade categories represented within the services industries include, but are not limited to, real estate services, financial services, leasing companies, transportation, communication, and hospitality services. Borrowers represented within the real estate services category are largely owners and managers of both residential and non-residential commercial real estate properties.

Loans extended to borrowers within the contracting industry are comprised largely of loans to land developers and to both heavy construction and general commercial contractors. Many of these loans are secured by real estate properties, the development of which is or may be financed by our Bank. Loans extended to borrowers within the petrochemical and mining industries are predominantly loans to finance the exploration and production of petroleum and natural gas. These loans are generally secured by proven petroleum and natural gas reserves and any such reserves which are developed as a result of the exploration.

This category also includes secured loans to companies in the energy services business, generally those engaged in supporting production, not exploration, drilling or development of reserves. We also have a small number of loans where our collateral consists of partnership interests and the partnerships are primarily in the petrochemical and mining industry. Personal/household loans include loans to certain successful professionals and entrepreneurs for commercial purposes, in addition to consumer loans.

We make loans that are appropriately collateralized under our credit standards. Approximately 97% of our funded loans held for investment are secured by collateral. Over 84% of the real estate collateral is located in Texas. The table below sets forth information regarding the distribution of our funded loans held for investment on a gross basis among various types of collateral at December 31, 2015 (in thousands except percentage data):



	Amount		Percent of Total Loans
Collateral type:
Business assets	$	4,820,254	28.7	%
Real property	4,990,914		29.8	%
Mortgage finance loans	4,966,276		29.6	%
Energy	799,758		4.8	%
Unsecured	446,715		2.7	%
Other assets	496,273		3.0	%
Highly liquid assets	174,315		1.0	%
Rolling stock	50,538		0.3	%
U. S. Government guaranty	24,097		0.1	%
Total loans held for investment	$	16,769,140	100.0	%

Table of Contents

As noted in the table above, approximately 30% of our loans held for investment as of December 31, 2015 are secured by real estate. The table below summarizes our real estate loan portfolio as segregated by the type of property securing the credit. Property type concentrations are stated as a percentage of year-end total real estate loans as of December 31, 2015 (in thousands except percentage data):



	Amount		Percent of Total Real Estate Loans
Property type:
Market risk
Commercial buildings	$	813,798	16.3	%
1-4 Family dwellings (other than condominium)	733,775		14.7	%
Industrial buildings	608,292		12.2	%
Apartment buildings	569,835		11.4	%
Residential lots	406,669		8.1	%
Shopping center/mall buildings	349,629		7.0	%
Hotel/motel buildings	235,177		4.7	%
Medical buildings	206,286		4.1	%
Unimproved land	91,085		1.8	%
Other	122,005		2.5	%
Other than market risk
Commercial buildings	252,094		5.1	%
Industrial buildings	126,350		2.5	%
1-4 Family dwellings (other than condominium)	123,220		2.5	%
Other	352,699		7.1	%
Total real estate loans	$	4,990,914	100.0	%

The table below summarizes our market risk real estate portfolio at December 31, 2015 as segregated by the geographic region in which the property is located (in thousands except percentage data):



	Amount		Percent of Total
Geographic region:
Dallas/Fort Worth	$	1,361,596	32.8	%
Houston	1,029,999		24.9	%
San Antonio	428,773		10.4	%
Austin	374,477		9.1	%
Other Texas cities	325,720		7.9	%
Other states	615,986		14.9	%
Total market risk real estate loans	$	4,136,551	100.0	%

We extend market risk real estate loans, including both construction/development financing and limited term financing, to builders, professional real estate developers and owners/managers of commercial real estate projects and properties who have a demonstrated record of past success with similar properties. Collateral properties include office buildings, warehouse/distribution buildings, shopping centers, apartment buildings and residential and commercial tract development located primarily within our five major metropolitan markets in Texas. These loans are generally repaid through the borrowers’ sale or lease of the properties, and loan amounts are determined in part from an analysis of pro forma cash flows. Loans are also underwritten to comply with product-type specific advance rates against both cost and market value. We engage a variety of professional firms to supply appraisals, market studies and feasibility reports, environmental assessments and project site inspections to complement our internal resources to underwrite and monitor these credit exposures.

The determination of collateral value is critically important when financing real estate. As a result, obtaining current and objectively prepared appraisals is a major part of our underwriting and monitoring processes. Generally, our policy requires a

Table of Contents

new appraisal every three years. However, in periods of economic uncertainty where real estate values can fluctuate rapidly as in recent years, more current appraisals are obtained when warranted by conditions such as a borrower’s deteriorating financial condition, their possible inability to perform on the loan or other indicators of increasing risk of reliance on collateral value as the sole repayment of the loan. Annual appraisals are generally obtained for loans graded substandard or worse where real estate is a material portion of the collateral value and/or the income from the real estate or sale of the real estate is the primary source of debt service.

Appraisals are, in substantially all cases, reviewed by a third party to determine the reasonableness of the appraised value. The third party reviewer will challenge whether or not the data used is appropriate and relevant, form an opinion as to the appropriateness of the appraisal methods and techniques used, and determine if overall the analysis and conclusions of the appraiser can be relied upon. Additionally, the third party reviewer provides a detailed report of that analysis. Further review may be conducted by our credit officers, as well as by the Bank’s managed asset committee as conditions warrant. These additional steps of review are undertaken to confirm that the underlying appraisal and the third party analysis can be relied upon. If we have differences, we address those with the reviewer and determine an appropriate resolution. Both the appraisal process and the appraisal review process can be less reliable in establishing accurate collateral values during and following periods of economic weakness due to the lack of comparable sales and the limited availability of financing to support an active market of potential purchasers.

Large Credit Relationships

The primary market areas we serve include the five major metropolitan markets of Texas, including Austin, Dallas, Fort Worth, Houston and San Antonio. We originate and maintain large credit relationships with numerous customers in the ordinary course of business. The legal limit of our Bank is approximately $309 million. We employ much lower house limits which vary by assigned risk grade, product and collateral type. Such house limits, which generally range from $20 million to $50 million, may be exceeded with appropriate authorization for exceptionally strong borrowers and otherwise where business opportunity and perceived credit risk warrant a somewhat larger investment. We consider large credit relationships to be those with commitments equal to or in excess of $10.0 million. The following table provides additional information on our large held for investment credit relationships, excluding mortgage finance, outstanding at year-end (in thousands, except relationship data):



	December 31, 2015					December 31, 2014
		Period End Balances					Period End Balances
	Number of Relationships	Committed		Outstanding		Number of Relationships	Committed		Outstanding
$20.0 million and greater	233	$	6,504,087	$	3,915,113	206	$	5,589,823	$	2,966,627
$10.0 million to $19.9 million	309	4,367,431		2,925,850		271	3,768,588		2,515,899

Growth in period-end outstanding balances related to large credit relationships primarily resulted from an increase in number of commitments. The following table summarizes the average per relationship committed and outstanding loan balances related to our large held for investment credit relationships, excluding mortgage finance, at year-end (in thousands, except relationship data):



	2015 Average Balance				2014 Average Balance
	Committed		Outstanding		Committed		Outstanding
$20.0 million and greater	$	27,915	$	16,803	$	27,135	$	14,401
$10.0 million to $19.9 million	14,134		9,469		13,906		9,284

Table of Contents

Loan Maturities and Interest Rate Sensitivity as of December 31, 2015



	Remaining Maturities of Selected Loans
(in thousands)	Total		Within 1 Year		1-5 Years		After 5 Years
Loan maturity:
Commercial	$	6,672,631	$	2,740,172	$	3,703,703	$	228,756
Mortgage finance	4,966,276		4,966,276		—		—
Construction	1,851,717		514,499		1,267,461		69,757
Real estate	3,139,197		639,159		1,815,323		684,715
Consumer	25,323		23,684		1,358		281
Equipment leases	113,996		5,796		105,780		2,420
Total loans held for investment	$	16,769,140	$	8,889,586	$	6,893,625	$	985,929
Interest rate sensitivity for selected loans with:
Predetermined interest rates	$	1,854,936	$	1,091,180	$	530,303	$	233,453
Floating or adjustable interest rates	14,914,204		7,798,406		6,363,322		752,476
Total loans held for investment	$	16,769,140	$	8,889,586	$	6,893,625	$	985,929

Interest Reserve Loans

As of December 31, 2015, we had $687.3 million in loans held for investment that included interest reserve arrangements, representing approximately 37% of our construction loans. Interest reserve provisions are common in construction loans. The use of interest reserves is carefully controlled by our underwriting standards, which consider the feasibility of the project, the creditworthiness of the borrower and guarantors and the loan-to-value coverage of the collateral. The interest reserve allows the borrower to draw loan funds to pay interest charges on the outstanding balance of the loan when financial conditions precedent are met. When drawn, the interest is capitalized and added to the loan balance, subject to conditions specified during the initial underwriting and at the time the credit is approved. We have ongoing controls for monitoring compliance with loan covenants, advancing funds and determining default conditions.

When we finance land on which improvements will be constructed, construction funds are generally not advanced until the borrower has received lease or purchase commitments which will meet cash flow coverage requirements and/or our analysis of market conditions and project feasibility indicates to our satisfaction that such lease or purchase commitments are forthcoming or other sources of repayment have been identified to repay the loan. It is our general policy to require a substantial equity investment by the borrower to complement the Bank's credit commitment. Any such required borrower investment is first contributed and invested in the project before any draws are allowed under the Bank's credit commitment. We require current financial statements of the borrowing entity and guarantors, as well as conduct periodic inspections of the project and analysis of whether the project is on schedule or delayed. Updated appraisals are ordered when necessary to validate the collateral values to support all advances, including reserve interest. Advances of interest reserves are discontinued if collateral values do not support the advances or if the borrower does not comply with other terms and conditions in the loan agreements. In addition, most of our construction lending is performed in Texas and our lenders are very familiar with trends in local real estate. If at any time we believe that our collateral position is jeopardized, we retain the right to stop the use of interest reserves. As of December 31, 2015, none of our loans with interest reserves were on non-accrual.

Table of Contents

Non-performing Assets

Non-performing assets include non-accrual loans and leases and repossessed assets. The table below summarizes our non-performing assets by type and by type of property securing the credit (in thousands):



	As of December 31,
	2015		2014		2013
Non-accrual loans(1)(4)
Commercial
Oil and gas properties	$	104,179	$	694	$	1,614
Assets of the borrowers	30,360		31,179		9,819
Inventory	2,099
Other	2,020		1,249		1,463
Total commercial	138,658		33,122		12,896
Construction
Commercial building	16,667		—		—
Unimproved land	—		—		705
Total construction	16,667		—		705
Real estate
Commercial property	2,867		4,781		9,606
Unimproved land and/or developed residential lots	3,576		3,735		4,819
Single family residences	—		—		888
Farm land	12,486		—		—
Other	383		1,431		3,357
Total real estate	19,312		9,947		18,670
Consumer	—		62		54
Equipment leases	5,151		173		50
Total non-accrual loans	179,788		43,304		32,375
Repossessed assets:
OREO(3)	278		568		5,110
Other repossessed assets	230		—		—
Total other repossessed assets	508		568		5,110
Total non-performing assets	$	180,296	$	43,872	$	37,485
Restructured loans(4)	$	249	$	1,806	$	1,935
Loans past due 90 days and accruing(2)	$	7,013	$	5,274	$	9,325


(1)	If these loans had been current throughout their terms, interest and fees on loans would have increased by approximately $7.0 million, $2.1 million and $2.5 million for the years ended December 31, 2015, 2014 and 2013, respectively.


(2)	At December 31, 2015, 2014 and 2013, loans past due 90 days and still accruing includes premium finance loans of $6.6 million, $3.7 million and $3.8 million, respectively.


(3)	At December 31, 2015, 2014 and 2013, there is no valuation allowance recorded against the OREO balance.


(4)	As of December 31, 2015, 2014 and 2013, non-accrual loans included $24.9 million, $12.1 million and $17.8 million, respectively, in loans that met the criteria for restructured.

Total non-performing assets at December 31, 2015 increased $136.4 million from December 31, 2014, compared to a $6.4 million increase from December 31, 2013 to December 31, 2014. We experienced a significant increase in levels of non-performing assets in 2015 compared to 2014, primarily related to deterioration in our energy portfolio. Energy non-performing assets totaled $120.4 million at December 31, 2015. Our provision for credit losses increased as a result of the deterioration of our energy portfolio and the significant growth in loans held for investment, excluding mortgage finance loans, and an increase in total criticized loans, as well as a change in applied risk weights. Risk weights are based on historical loss experience as adjusted for current environmental factors as well as changes in the composition of our pass-rated loan portfolio. This growth resulted in an increase in the reserve for loan losses as a percent of loans excluding mortgage finance loans for 2015 as compared to 2014.

Table of Contents

Specific reserves on impaired loans held for investment were $23.5 million at December 31, 2015, compared to $8.4 million at December 31, 2014 and $3.2 million at December 31, 2013. We recognized $1.6 million in interest income on non-accrual loans during 2015 compared to $1.7 million in 2014 and $2.4 million in 2013. Additional interest income that would have been recorded if the loans had been current during the years ended December 31, 2015, 2014 and 2013 totaled $7.0 million, $2.1 million and $2.5 million, respectively. Average impaired loans outstanding during the years ended December 31, 2015, 2014 and 2013 totaled $102.3 million, $46.4 million and $50.8 million, respectively.

Generally, we place loans held for investment on non-accrual when there is a clear indication that the borrower’s cash flow may not be sufficient to meet payments as they become due, which is generally when a loan is 90 days past due. When a loan is placed on non-accrual status, all previously accrued and unpaid interest is reversed. Interest income is subsequently recognized on a cash basis as long as the remaining unpaid principal amount of the loan is deemed to be fully collectible. If collectability is questionable, then cash payments are applied to principal. As of December 31, 2015, $884,000 of our non-accrual loans were earning on a cash basis. A loan is placed back on accrual status when both principal and interest are current and it is probable that we will be able to collect all amounts due (both principal and interest) according to the terms of the loan agreement.

A loan is considered impaired when, based on current information and events, it is probable that we will be unable to collect all amounts due (both principal and interest) according to the terms of the original loan agreement. Specific reserves on impaired loans are measured based on the present value of the expected future cash flows discounted at the loan’s effective interest rate or the fair value of the underlying collateral less cost to sell.

At December 31, 2015, we had $7.0 million in loans past due 90 days and still accruing interest. Of this total, $6.6 million were premium finance loans. These loans are primarily secured by obligations of insurance carriers to refund premiums on cancelled insurance policies. The refund of premiums from the insurance carriers can take 180 days or longer from the cancellation date.

Restructured loans are loans on which, due to the borrower’s financial difficulties, we have granted a concession that we would not otherwise consider. This may include a transfer of real estate or other assets from the borrower, a modification of loan terms, or a combination of the two. Modifications of terms that could potentially qualify as a restructuring include reduction of contractual interest rate, extension of the maturity date at a contractual interest rate lower than the current rate for new debt with similar risk, a reduction of the face amount of debt, or forgiveness of either principal or accrued interest. As of December 31, 2015 we had $249,000 in loans considered restructured that are not on non-accrual. These loans do not have unfunded commitments at December 31, 2015. Of the non-accrual loans at December 31, 2015, $24.9 million met the criteria for restructured. A loan continues to qualify as restructured until a consistent payment history or change in the borrower's financial condition has been evidenced, generally for no less than twelve months. Assuming that the restructuring agreement specifies an interest rate at the time of the restructuring that is greater than or equal to the rate that we are willing to accept for a new extension of credit with comparable risk, then the loan no longer has to be considered a restructuring if it is in compliance with the modified terms in calendar years after the year of the restructuring.

Potential problem loans consist of loans that are performing in accordance with contractual terms, but for which we have concerns about the borrower’s ability to comply with repayment terms because of the borrower’s potential financial difficulties. We monitor these loans closely and review their performance on a regular basis. At December 31, 2015, we did not have any loans of this type which were not included in either non-accrual or 90 days past due categories, compared to $16.3 million at December 31, 2014.

The table below presents a summary of the activity related to OREO (in thousands):



	Year ended December 31,
	2015			2014			2013
Beginning balance	$	568		$	5,110		$	15,991
Additions	1,267			851			1,331
Sales	(1,557		)	(5,393		)	(11,292		)
Valuation allowance for OREO	—			—			958
Direct write-downs	—			—			(1,878		)
Ending balance	$	278		$	568		$	5,110

When foreclosure occurs, the acquired asset is recorded at fair value, generally based on appraised value, which may result in partial charge-off of the loan. So long as the property is retained, further reductions in appraised value will result in valuation adjustments being taken as non-interest expense. If the decline in value is believed to be permanent and not just driven by short-term market conditions, a direct write-down of the OREO balance may be taken. We generally pursue sales of OREO when conditions warrant, but we may choose to hold certain properties for a longer term, which can result in additional exposure to decreases in the appraised value of the asset during that holding period. We did not record a valuation expense during the years ended December 31, 2015 and 2014, compared to $920,000 recorded during the same period of 2013. Of the

Table of Contents

$920,000 valuation expense recorded for the year ended December 31, 2013, $1.9 million related to direct write-downs, offset by a reduction in the valuation allowance of $958,000.

Summary of Loan Loss Experience

The provision for loan losses is a charge to earnings to maintain the allowance for loan losses at a level consistent with management’s assessment of the collectability of the loan portfolio in light of current economic conditions and market trends. We recorded a provision for credit losses of $53.3 million for the year ended December 31, 2015, $22.0 million for the year ended December 31, 2014, and $19.0 million for the year ended December 31, 2013. The increase in provision recorded during 2015 is related to the deterioration in our energy portfolio and significant growth in loans held for investment, excluding mortgage finance loans, and an increase in total criticized loans, as well as changes in applied risk weights. Risk weights are based on historical loss experience as well as changes in the composition of our pass-rated loan portfolio.

The allowance for credit losses, which includes a liability for losses on unfunded commitments, totaled $150.1 million at December 31, 2015, $108.0 million at December 31, 2014 and $92.3 million at December 31, 2013. The combined allowance percentage increased to 1.28% at year-end 2015 from 1.06% and 1.09% of loans held for investment excluding mortgage finance loans at December 31, 2014 and 2013, respectively. The combined allowance as a percent of loans held for investment, excluding mortgage finance loans, trended down during 2013 and 2014 as we recognized losses on loans for which there were specific or general allocations of reserves and saw an improvement in our overall credit quality. During 2015, the combined allowance began trending up primarily as a result of the deterioration in our energy portfolio plus management's allocation of a higher reserve to the Bank's pass-rated portfolio as deemed appropriate in light of current environmental conditions.

The overall allowance for loan losses results from consistent application of our loan loss reserve methodology as described above. At December 31, 2015, we believe the allowance is sufficient to cover all inherent losses in the portfolio and has been derived from consistent application of our methodology. Should any of the factors considered by management in evaluating the adequacy of the reserve for loan losses change, our estimate of inherent losses in the portfolio could also change, which would affect the level of future provisions for loan losses.

See Note 1 - Operations and Summary of Significant Accounting Policies in the accompanying notes to the consolidated financial statements included elsewhere in this report for details of the allowance for loan losses.

Table of Contents

The table below presents a summary of our loan loss experience for the past five years (in thousands except percentage and multiple data):



	Year Ended December 31,
	2015			2014			2013			2012			2011
Allowance for loan losses:
Beginning balance	$	100,954		$	87,604		$	74,337		$	70,295		$	71,510
Loans charged-off:
Commercial	16,254			9,803			6,575			6,708			8,518
Construction	—			—			—			—			—
Real estate	389			296			144			899			21,275
Consumer	62			266			45			49			317
Equipment leases	25			—			2			204			1,218
Total charge-offs	16,730			10,365			6,766			7,860			31,328
Recoveries:
Commercial	4,944			2,762			1,203			832			1,188
Construction	400			—			—			10			248
Real estate	33			79			270			812			350
Consumer	173			162			73			33			9
Equipment leases	38			1,082			322			108			383
Total recoveries	5,588			4,085			1,868			1,795			2,178
Net charge-offs	11,142			6,280			4,898			6,065			29,150
Provision for loan losses	51,299			19,630			18,165			10,107			27,935
Ending balance	$	141,111		$	100,954		$	87,604		$	74,337		$	70,295
Allowance for off-balance sheet credit losses:
Beginning balance	$	7,060		$	4,690		$	3,855		$	2,462		$	1,897
Provision for off-balance sheet credit losses	1,951			2,370			835			1,393			565
Ending balance	$	9,011		$	7,060		$	4,690		$	3,855		$	2,462
Total allowance for credit losses	$	150,122		$	108,014		$	92,294		$	78,192		$	72,757
Total provision for credit losses	$	53,250		$	22,000		$	19,000		$	11,500		$	28,500
Allowance for loan losses to LHI	0.84		%	0.71		%	0.78		%	0.75		%	0.92		%
Allowance for loan losses to LHI excluding mortgage finance loans	1.20		%	0.99		%	1.03		%	1.10		%	1.26		%
Net charge-offs to average LHI	0.07		%	0.05		%	0.05		%	0.07		%	0.47		%
Net charge-offs to average LHI excluding mortgage finance loans	0.10		%	0.07		%	0.07		%	0.10		%	0.58		%
Total provision for credit losses to average LHI	0.35		%	0.18		%	0.19		%	0.14		%	0.45		%
Total provision for credit losses to average LHI excluding mortgage finance loans	0.48		%	0.24		%	0.25		%	0.19		%	0.56		%
Recoveries to total charge-offs	33.40		%	39.41		%	27.61		%	22.84		%	6.95		%
Allowance for off-balance sheet credit losses to off-balance sheet credit commitments	0.16		%	0.13		%	0.12		%	0.14		%	0.14		%
Combined allowance for credit losses to LHI	0.90		%	0.76		%	0.82		%	0.78		%	0.95		%
Combined allowance for credit losses to LHI excluding mortgage finance loans	1.28		%	1.06		%	1.09		%	1.15		%	1.31		%
Non-performing assets:
Non-accrual loans(1)(4)	$	179,788		$	43,304		$	32,375		$	55,833		$	54,580
OREO(3)	278			568			5,110			15,991			34,077
Other repossessed assets	230			—			—			42			1,516
Total	$	180,296		$	43,872		$	37,485		$	71,866		$	90,173
Restructured loans	$	249		$	1,806		$	1,935		$	10,407		$	25,104
Loans past due 90 days and still accruing(2)	$	7,013		$	5,274		$	9,325		$	3,674		$	5,467
Allowance as a multiple of non-performing loans	0.8		x	2.3		x	2.7		x	1.3		x	1.3		x

Table of Contents


(1)	If these loans had been current throughout their terms, interest and fees on loans would have increased by approximately $7.0 million, $2.1 million and $2.5 million for the years ended December 31, 2015, 2014 and 2013, respectively.


(2)	At December 31, 2015, 2014 and 2013, loans past due 90 days and still accruing includes premium finance loans of $6.6 million, $3.7 million and $3.8 million, respectively.


(3)	At December 31, 2015, 2014 and 2013, we did not have a valuation allowance recorded against the OREO balance.


(4)	As of December 31, 2015, 2014 and 2013, non-accrual loans included $24.9 million, $12.1 million and $17.8 million, respectively, in loans that met the criteria for restructured.

Allowance for Loan Loss Allocation



	December 31,
	2015				2014				2013				2012				2011
(in thousands except percentage data)	Reserve		% of Loans		Reserve		% of Loans		Reserve		% of Loans		Reserve		% of Loans		Reserve		% of Loans
Loan category:
Commercial	$	112,446	40	%	$	70,654	41	%	$	39,868	44	%	$	21,547	41	%	$	17,337	43	%
Mortgage finance loans(1)	—		29	%	—		28	%	—		25	%	—		32	%	—		27	%
Construction	6,836		11	%	7,935		10	%	14,553		11	%	12,097		7	%	7,845		5	%
Real estate	13,381		19	%	15,582		20	%	24,210		19	%	30,893		19	%	33,721		24	%
Consumer	338		—		240		—		149		—		226		—		223		—
Equipment leases	3,931		1	%	1,141		1	%	3,105		1	%	2,460		1	%	2,356		1	%
Additional qualitative reserve	4,179		—		5,402		—		5,719		—		7,114		—		8,813		—
Total loans held for investment	$	141,111	100	%	$	100,954	100	%	$	87,604	100	%	$	74,337	100	%	$	70,295	100	%


(1)	No amount of the reserve is allocated to these loans based on the internal risk grade assigned.

Increases in the allowance allocated to loan categories are due primarily to the significant growth in the overall loan portfolio. We have traditionally maintained an additional qualitative allowance component to allow for uncertainty in economic and other conditions affecting the quality of the loan portfolio. The additional qualitative portion of our loan loss reserve has decreased since December 31, 2011. We believe the level of additional qualitative allowance at December 31, 2015 continues to be warranted due to the continued uncertain economic environment which has produced more frequent losses, including those resulting from fraud by borrowers. Our methodology used to calculate the allowance considers historical losses, however, the historical loss rates for specific product types or credit risk grades may not fully incorporate the effects of continued weakness in the economy.

Loans Held for Sale

We launched our MCA business in the third quarter of 2015. In that business, we commit to purchase residential mortgage loans from independent correspondent lenders and deliver those loans into the secondary market via whole loans sales to independent third parties or in securitization transactions to GSEs such as Fannie Mae, Freddie Mac or Ginnie Mae. We have elected to carry these loans at fair value based on sales commitments and market quotes. Changes in the fair value of the loans held for sale are included in other non-interest income.

Residential mortgage loans are subject to both credit and interest rate risk. Credit risk is managed through underwriting policies and procedures, including collateral requirements, which are generally accepted by the secondary loan markets. Exposure to interest rate fluctuations is partially managed through forward sales contracts, which set the price for loans that will be delivered in the next 60 to 90 days.

The table below presents the unpaid principal balance of loans held for sale and related fair values at December 31, 2015 (in thousands):



	December 31, 2015
	Unpaid Principal Balance		Fair Value		Fair Value Over/(Under) Unpaid Principal Balance
Loans held for sale	$	82,853	$	86,075	$	3,222

Table of Contents

The differences between the fair value carrying amount and the aggregate unpaid principal balance include changes in fair value recorded at and subsequent to funding, gains and losses on the related loan commitment prior to funding and premiums or discounts on acquired loans.

We generally retain the right to service the loans sold, creating MSR assets on our balance sheet. A summary of MSR activities for the year ended December 31, 2015 is as follows (in thousands):



	2015
Balance, beginning of year	$	—
Capitalized servicing rights	437
Amortization	(14		)
Balance, end of year	$	423
Fair value	$	423

At December 31, 2015, our servicing portfolio of loans sold included 168 loans with an outstanding principal balance of $39.0 million. In connection with the servicing of these loans, we maintain escrow funds for taxes and insurance in the name of investors, as well as collections in transit to investors. These escrow funds are segregated and held in separate non-interest-bearing bank accounts at the Bank. These deposits, included in total non-interest-bearing deposits on the consolidated balance sheets, were $240,000 at December 31, 2015.

For loans securitized and sold for the year ended December 31, 2015 with servicing rights retained, management used the following assumptions to determine the fair value of MSRs at the date of securitization:



	2015
Average discount rates	9.76	%
Expected prepayment speeds	9.14	%
Weighted-average life, in years	7.3

In conjunction with the sale and securitization of loans held for sale, we may be exposed to liability resulting from recourse agreements and repurchase agreements. If it is determined subsequent to our sale of a loan that the loan sold is in breach of the representations or warranties made in the applicable sale agreement, we may have an obligation to (a) repurchase the loan for the unpaid principal balance, accrued interest and related advances, (b) indemnify the purchaser against any loss it suffers or (c) make the purchaser whole for the economic benefits of the loan. During the year ended December 31, 2015, we originated or purchased and sold approximately $39.1 million of mortgage loans to GSEs.

Our repurchase, indemnification and make whole obligations vary based upon the terms of the applicable agreements, the nature of the asserted breach and the status of the mortgage loan at the time a claim is made. We establish reserves for estimated losses of this nature inherent in the origination of mortgage loans by estimating the probable losses inherent in the population of all loans sold based on trends in claims and actual loss severities experienced. The reserve will include accruals for probable contingent losses in addition to those identified in the pipeline of claims received. The estimation process is designed to include amounts based on actual losses experienced from actual repurchase activity.

Because the MCA business commenced in 2015, we have no historical data to support the establishment of a reserve. The baseline for the repurchase reserve uses historical loss factors obtained from industry data that are applied to loan pools originated and sold during the year ended December 31, 2015. The historical industry data loss factors and experienced losses will be accumulated for each sale vintage (year loan was sold) and applied to more recent sale vintages to estimate inherent losses not yet realized. Our estimated exposure related to these loans was $20,000 at December 31, 2015 and is recorded in other liabilities in the consolidated balance sheets. We had no losses due to repurchase, indemnification or make-whole obligations during the year ended December 31, 2015.

Deposits

We compete for deposits by offering a broad range of products and services to our customers. While this includes offering competitive interest rates and fees, the primary means of competing for deposits is convenience and service to our customers. However, our strategy to provide service and convenience to customers does not include a large branch network. Our Bank offers thirteen banking centers, courier services and online banking. BankDirect, the Internet division of our Bank, serves its customers on a 24 hours-a-day, 7 days-a-week basis solely through Internet banking.

Average deposits for the year ended December 31, 2015 increased $3.9 billion compared to the same period of 2014. Average demand deposits, interest-bearing transaction deposits, savings deposits and time deposits (excluding deposits in foreign branches) increased by $2.3 billion, $719.4 million, $982.0 million and $93.1 million, respectively. Average deposits in foreign

Table of Contents

branches decreased $93.1 million related to the discontinuation of that deposit offering and closure of our Cayman Islands branch during 2015. The average cost of deposits remained level at .17% in 2015 as compared to 2014 mainly due to our focused effort to reduce rates paid on deposits and the significant increase in non-interest-bearing deposits during 2015.

Average deposits for the year ended December 31, 2014 increased $2.5 billion compared to the same period of 2013. Average demand deposits, interest-bearing transaction deposits, savings deposits and time deposits (including deposits in foreign branches) increased by $1.2 billion, $52.4 million, $1.2 billion and $35.7 million, respectively. The average cost of deposits remained level at .17% in 2014 as compared to 2013 mainly due to our focused effort to reduce rates paid on deposits and the significant increase in non-interest-bearing deposits during 2014.

The following table discloses our average deposits for the years ended December 31, 2015, 2014 and 2013 (in thousands):



	Average Balances
	2015		2014		2013
Non-interest-bearing	$	6,447,147	$	4,188,173	$	2,967,063
Interest-bearing transaction	1,680,220		960,812		908,415
Savings	5,920,046		4,938,039		3,756,560
Time deposits	510,378		417,317		397,329
Deposits in foreign branches	181,657		361,203		345,506
Total average deposits	$	14,739,448	$	10,865,544	$	8,374,873

As with our loan portfolio, a majority of our deposits derive from businesses and individuals in Texas. As of December 31, 2015, approximately 82% of our deposits originated out of our Dallas metropolitan banking centers. Uninsured deposits at December 31, 2015 were 56% of total deposits, compared to 72% of total deposits at December 31, 2014 and 67% of total deposits at December 31, 2013. The insured deposit data for 2015, 2014 and 2013 reflects the deposit insurance impact of "combined ownership segregation" of escrow and other accounts at an aggregate level but does not reflect an evaluation of all of the account styling distinctions that would determine the availability of deposit insurance to individual accounts based on FDIC regulations.

At December 31, 2014, we had $311.1 million in interest-bearing time deposits of $100,000 or more in our Cayman Islands branch, which was closed during 2015. All deposits in the Cayman Branch came from U.S. based customers of our Bank. Deposits did not originate from foreign sources, and funds transfers neither came from nor went to facilities outside of the U.S. All deposits were in U.S. dollars.

Maturity of Domestic CDs and Other Time Deposits in Amounts of $100,000 or More



	December 31,
(In thousands)	2015		2014		2013
Months to maturity:
3 or less	$	240,291	$	160,504	$	130,180
Over 3 through 6	100,582		77,199		82,435
Over 6 through 12	89,860		103,396		89,910
Over 12	15,714		22,359		21,426
Total	$	446,447	$	363,458	$	323,951

Liquidity and Capital Resources

In general terms, liquidity is a measurement of our ability to meet our cash needs. Our objective in managing our liquidity is to maintain our ability to meet loan commitments, repurchase securities or repay deposits and other liabilities in accordance with their terms, without an adverse impact on our current or future earnings. Our liquidity strategy is guided by policies, formulated and monitored by our senior management and our Balance Sheet Management Committee (“BSMC”), which take into account the demonstrated marketability of our assets, the sources and stability of our funding and the level of unfunded commitments. We regularly evaluate all of our various funding sources with an emphasis on accessibility, stability, reliability and cost-effectiveness. For the years ended December 31, 2015 and 2014, our principal source of funding has been our customer deposits, supplemented by our short-term and long-term borrowings, primarily from Federal funds purchased and Federal Home Loan Bank (“FHLB”) borrowings, generally used to fund mortgage finance assets.

Table of Contents

Our liquidity needs for support of growth in loans have been fulfilled through growth in our core customer deposits. Our goal is to obtain as much of our funding for loans held for investment and other earning assets as possible from deposits of these core customers. These deposits are generated principally through development of long-term customer relationships, with a significant focus on treasury management products. In addition to deposits from our core customers, we also have access to deposits through other contractual customer relationships. For regulatory purposes, these relationship-based deposits are categorized as brokered deposits; however, since these deposits arise from a customer relationship which involves extensive treasury services, we consider these deposits to be core deposits for our reporting purposes.

We also have access to incremental deposits through brokered retail certificates of deposit, or CDs. These traditional brokered deposits are generally of short maturities, 30 to 90 days, and are used to fund temporary differences in the growth in loan balances, including growth in loans held for sale or other specific categories of loans as compared to customer deposits. The following table summarizes our period-end and average year-to-date core customer deposits and brokered deposits (in millions):



	December 31,
	2015			2014
Deposits from core customers	$	13,743.8		$	10,900.0
Deposits from core customers as a percent of total deposits	91.1		%	86.0		%
Relationship brokered deposits	$	1,340.8		$	1,773.3
Relationship brokered deposits as a percent of average total deposits	8.9		%	14.0		%
Traditional brokered deposits	$	—		$	—
Traditional brokered deposits as a percent of total deposits	—		%	—		%
Average deposits from core customers	$	13,172.6		$	9,135.0
Average deposits from core customers as a percent of average total deposits	89.4		%	84.1		%
Average relationship brokered deposits	$	1,566.8		$	1,709.8
Average relationship brokered deposits as a percent of average total deposits	10.6		%	15.7		%
Average traditional brokered deposits	$	—		$	20.7
Average traditional brokered deposits as a percent of average total deposits	—		%	0.2		%

We have access to sources of brokered deposits that we estimate to be $3.5 billion. Based on our internal guidelines, we may choose to limit our use of these sources to a lesser amount. Customer deposits (total deposits, including relationship brokered deposits, minus brokered CDs) at December 31, 2015 increased $2.4 billion from December 31, 2014.

We have short-term borrowing sources available to supplement deposits and meet our funding needs. Such borrowings are generally used to fund our mortgage finance loans, due to their liquidity, short duration and interest spreads available. These borrowing sources include Federal funds purchased from our downstream correspondent bank relationships (which consist of banks that are smaller than our Bank) and from our upstream correspondent bank relationships (which consist of banks that are larger than our Bank), customer repurchase agreements, treasury, tax and loan notes and advances from the FHLB and the Federal Reserve. The following table summarizes our borrowings (in thousands):



	December 31,
	2015						2014						2013
	Balance		Rate(3)		Maximum Outstanding at Any Month End		Balance		Rate(3)		Maximum Outstanding at Any Month End		Balance		Rate(3)		Maximum Outstanding at Any Month End
Federal funds purchased(4)	$	74,164	0.55	%			$	66,971	0.30	%			$	148,650	0.22	%
Customer repurchase agreements(1)	68,887		0.02	%			25,705		0.07	%			21,954		0.06	%
FHLB borrowings(2)	1,500,000		0.31	%			1,100,005		0.13	%			840,026		0.12	%
Total borrowings	$	1,643,051			$	1,643,051	$	1,192,681			$	1,192,681	$	1,010,630			$	1,634,630


(1)	Securities pledged for customer repurchase agreements were $14.2 million, $21.8 million and $37.7 million at December 31, 2015, 2014 and 2013, respectively.

(2)

FHLB borrowings are collateralized by a blanket floating lien on certain real estate-secured loans, mortgage finance assets and also certain pledged securities. The weighted-average interest rate for the years ended December 31, 2015, 2014 and 2013 was 0.18%, 0.15% and 0.14%, respectively. The average balance of FHLB borrowings for the years ended December 31, 2015, 2014 and 2013 was $1.2 billion, $213.4 million and $370.0 million, respectively.

Table of Contents


(3)	Interest rate as of period end.


(4)	The weighted-average interest rate on Federal funds purchased for the years ended December 31, 2015, 2014 and 2013 was 0.29%, 0.27% and 0.27%, respectively. The average balance of Federal funds purchased for the years ended December 31, 2015, 2014 and 2013 was $98.8 million, $139.3 million and $254.3 million, respectively.

The following table summarizes our other borrowing capacities in excess of balances outstanding (in thousands):



	December 31,
	2015		2014		2013
FHLB borrowing capacity relating to loans	$	4,101,396	$	3,602,994	$	693,302
FHLB borrowing capacity relating to securities	1,213		535		8,482
Total FHLB borrowing capacity	$	4,102,609	$	3,603,529	$	701,784
Unused Federal funds lines available from commercial banks	$	1,231,000	$	1,186,000	$	890,000
Unused Federal Reserve Borrowings capacity	$	2,966,702	$	2,643,000	$	2,284,000

From time to time, we borrow funds on an overnight basis from the Federal Reserve. We did not incur such borrowings during 2015 or 2014, and, during 2013, we did so on one such occasion when mortgage finance loan balances surged at the end of a month. At December 31, 2015 and 2014, no borrowings from the Federal Reserve were outstanding.

Our unsecured, revolving, non-amortizing line of credit had maximum availability of $100.0 million and matured on December 22, 2015. This line of credit was renewed on December 22, 2015 with a new maximum availability of $130.0 million and a maturity date of December 21, 2016. The loan proceeds may be used for general corporate purposes including funding regulatory capital infusions into the Bank. The loan agreement contains customary financial covenants and restrictions. As of December 31, 2015 and 2014, no borrowings were outstanding and no funds were borrowed during the years ended December 31, 2015 and 2014.

From November 2002 to September 2006 various Texas Capital Statutory Trusts were created and subsequently issued floating rate trust preferred securities in various private offerings totaling $113.4 million. After deducting underwriter compensation and other expenses of each offering, the net proceeds were available to the Company to increase capital and for general corporate purposes, including use in investment and lending activities. Interest payments on all trust preferred subordinated debentures are deductible for federal income tax purposes. As of December 31, 2015, the weighted average quarterly rate on the trust preferred subordinated debentures was 2.31%, compared to 2.25% average for all of 2015, and 2.19% for all of 2014.

Because our Bank had less than $15.0 billion in total consolidated assets as of December 31, 2009, we are allowed to continue to classify our trust preferred securities, all of which were issued prior to May 19, 2010, as Tier 1 capital. Our equity capital averaged $1.6 billion for the year ended December 31, 2015 as compared to $1.3 billion in 2014 and $1.0 billion in 2013. We have not paid any cash dividends on our common stock since we commenced operations and have no plans to do so in the foreseeable future.

On March 28, 2013, we completed a sale of 6.0 million shares of our 6.50% non-cumulative preferred stock, par value $0.01, with a liquidation preference of $25 per share, in a public offering. Dividends on the preferred stock are not cumulative and will be paid when declared by our board of directors to the extent that we have lawfully available funds to pay dividends. If declared, dividends will accrue and be payable quarterly, in arrears, on the liquidation preference amount, on a non-cumulative basis, at a rate of 6.50% per annum. We paid $9.8 million and $9.8 million in dividends on the preferred stock for the years ended December 31, 2015 and 2014, respectively. Holders of preferred stock do not have voting rights, except with respect to authorizing or increasing the authorized amount of senior stock, certain changes in terms of the preferred stock, certain dividend non-payments and as otherwise required by applicable law. Net proceeds from the sale totaled $145.0 million. The additional equity was used for general corporate purposes, including funding regulatory capital infusions into the Bank.

In January 2014, we completed an offering of 1.9 million shares of our common stock. Net proceeds from the sale totaled $106.5 million. On January 31, 2014, the Bank issued $175.0 million of subordinated notes in an offering to institutional investors exempt from registration under Section 3(a)(2) of the Securities Act of 1933 and 12 C.F.R. Part 16. Net proceeds from the transaction were $172.4 million. The notes mature in January 2026 and bear interest at a rate of 5.25% per annum, payable semi-annually. The notes are unsecured and are subordinate to the Bank’s obligations to its depositors, its obligations under banker’s acceptances and letters of credit, certain obligations to Federal Reserve Banks and the FDIC and the Bank’s obligations to its other creditors, except any obligations which expressly rank on a parity with or junior to the notes. The notes qualify as Tier 2 capital for regulatory capital purposes, subject to applicable limitations. The net proceeds of both offerings were used by the Company for general corporate purposes, including retirement of $15.0 million of short-term debt that was outstanding at December 31, 2013, and additional capital to support continued loan growth.

Table of Contents

On November 12, 2014, we completed a sale of 2.5 million shares of our common stock in a public offering. Net proceeds from the sale totaled $149.6 million. The additional equity was used for general corporate purposes and additional capital to support continued loan growth.

In July 2013, the Federal Reserve published final rules for the adoption of the Basel III regulatory capital framework (the "Basel III Capital Rules"). The Basel III Capital Rules, among other things, (i) introduced a new capital measure called "Common Equity Tier 1" ("CET1"), (ii) specified that Tier 1 capital consist of CET1 and "Additional Tier 1 Capital" instruments meeting specified requirements, (iii) defined CET1 narrowly by requiring that most deductions/adjustments to regulatory capital measures be made to CET1 and not to the other components of capital and (iv) expanded the scope of the deductions/adjustments as compared to existing regulations. The Basel III Capital Rules became effective for us on January 1, 2015 with certain transition provisions fully phased in on January 1, 2019.

Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios (set forth in the table below) of CET1, Tier 1 and total capital to risk-weighted assets, each as defined in the regulations. Management believes, as of December 31, 2015, that the Company and the Bank meet all capital adequacy requirements to which they are subject.

Financial institutions are categorized as well capitalized or adequately capitalized, based on minimum total risk-based, Tier 1 risk-based CET1 and Tier 1 leverage ratios. As shown in the table below, the Company’s capital ratios exceed the regulatory definition of adequately capitalized as of December 31, 2015 and 2014. Based upon the information in its most recently filed call report, the Bank met the capital ratios necessary to be well capitalized. The regulatory authorities can apply changes in classification of assets retroactively and such changes may cause the Company to retroactively change its capital ratios. Any such change could result in reducing one or more capital ratios below well capitalized status. In addition, a change may result in imposition of additional assessments by the FDIC or could result in regulatory actions that could have a material effect on our condition and results of operations.

Table of Contents

Our actual and minimum required capital amounts and actual ratios are as follows (in thousands, except percentage data):



	Regulatory Capital Adequacy
	December 31, 2015				December 31, 2014
	Amount		Ratio		Amount		Ratio
CET1
Company
Actual	$	1,455,662	7.47	%	$	1,312,225	7.89	%
Minimum required	876,563		4.50	%	748,445		4.50	%
Excess above minimum	579,099		2.97	%	563,780		3.39	%
Bank
Actual	1,522,729		7.82	%	1,263,569		7.60	%
To be well-capitalized	1,265,819		6.50	%	1,080,809		6.50	%
Minimum required	876,336		4.50	%	748,252		4.50	%
Excess above well-capitalized	256,910		1.32	%	182,760		1.10	%
Excess above minimum	646,393		3.32	%	515,317		3.10	%
Total capital (to risk-weighted assets)
Company
Actual	$	2,152,292	11.05	%	$	1,967,021	11.83	%
Minimum required	1,558,334		8.00	%	1,330,568		8.00	%
Excess above minimum	593,958		3.05	%	636,453		3.83	%
Bank
Actual	$	2,058,359	10.57	%	$	1,757,365	10.57	%
To be well-capitalized	1,947,414		10.00	%	1,662,782		10.00	%
Minimum required	1,557,931		8.00	%	1,330,226		8.00	%
Excess above well-capitalized	110,945		0.57	%	94,583		0.57	%
Excess above minimum	500,428		2.57	%	427,139		2.57	%
Tier 1 capital (to risk-weighted assets)
Company
Actual	$	1,716,170	8.81	%	$	1,573,007	9.46	%
Minimum required	1,168,751		6.00	%	665,284		4.00	%
Excess above minimum	547,419		2.81	%	907,723		5.46	%
Bank
Actual	$	1,683,237	8.64	%	$	1,424,351	8.57	%
To be well-capitalized	1,557,931		8.00	%	997,669		6.00	%
Minimum required	1,168,448		6.00	%	665,113		4.00	%
Excess above well-capitalized	125,306		0.64	%	426,682		2.57	%
Excess above minimum	514,789		2.64	%	759,238		4.57	%
Tier 1 capital (to average assets)
Company
Actual	$	1,716,170	8.92	%	$	1,573,007	10.76	%
Minimum required	769,258		4.00	%	584,765		4.00	%
Excess above minimum	946,912		4.92	%	988,242		6.76	%
Bank
Actual	$	1,683,237	8.75	%	$	1,424,351	9.75	%
To be well-capitalized	961,873		5.00	%	730,746		5.00	%
Minimum required	769,498		4.00	%	584,597		4.00	%
Excess above well-capitalized	721,364		3.75	%	693,605		4.75	%
Excess above minimum	913,739		4.75	%	839,754		5.75	%

Table of Contents

Our mortgage finance loan volumes can increase significantly at month-end, causing a meaningful difference between ending balance and average balance for any period. At December 31, 2015, our total mortgage finance loans were $5.0 billion compared to the average for the year ended December 31, 2015 of $4.0 billion. As CET1, Tier 1 and total capital ratios are calculated using quarter-end risk-weighted assets and our mortgage finance loans are 100% risk-weighted, the quarter-end fluctuation in these balances can significantly impact our reported ratios. Due to the actual risk profile and liquidity of this asset class, we manage capital allocated to mortgage finance loans based on changing trends in average balances and do not believe that the quarter-end balance is representative of risk characteristics that would justify higher allocations. However, we continue to carefully monitor our capital allocation to confirm that all capital levels remain above well-capitalized.

Dividends that may be paid by subsidiary banks are routinely restricted by various regulatory authorities. The amount that can be paid in any calendar year without prior approval of the Bank's regulatory agencies cannot exceed the lesser of the net profits (as defined) for that year plus the net profits for the preceding two calendar years, or retained earnings. The Basel III Capital Rules further limit the amount of dividends that may be paid by our Bank. No dividends were declared or paid on our common stock during the years ended December 31, 2015 or 2014.

Commitments and Contractual Obligations

The following table presents, as of December 31, 2015, significant fixed and determinable contractual obligations to third parties by payment date. Payments for borrowings do not include interest. Payments related to leases are based on actual payments specified in the underlying contracts. Further discussion of the nature of each obligation is included in the referenced note to the consolidated financial statements elsewhere in this Form 10-K.



(In thousands)	Note Reference	Within One Year		After One But Within Three Years		After Three But Within Five Years		After Five Years		Total
Deposits without a stated maturity(1)	8	$	14,557,124	$	—	$	—	$	—	$	14,557,124
Time deposits(1)	8	502,113		19,784		5,598		—		527,495
Federal funds purchased and customer repurchase agreements(1)	9	143,051		—		—		—		143,051
FHLB borrowings(1)	9	700,000		800,000		—		—		1,500,000
Operating lease obligations(1)(2)	17	15,572		31,299		29,846		39,060		115,777
Subordinated notes(1)	9	—		—		—		286,000		286,000
Trust preferred subordinated debentures(1)	9, 10	—		—		—		113,406		113,406
Total contractual obligations(1)		$	15,917,860	$	851,083	$	35,444	$	438,466	$	17,242,853


(1)	Excludes interest.


(2)	Non-balance sheet item.

Off-Balance Sheet Arrangements

In addition to the off-balance sheet obligations described under the caption "Loans Held for Sale," we have the following off-balance sheet contractual obligations as of December 31, 2015 (in thousands):



	Within One Year		After One But Within Three Years		After Three But Within Five Years		After Five Years		Total
Commitments to extend credit	$	1,652,674	$	2,631,076	$	1,083,780	$	174,833	$	5,542,363
Standby and commercial letters of credit	146,731		30,903		4,585		—		182,219
Total financial instruments with off-balance sheet risk	$	1,799,405	$	2,661,979	$	1,088,365	$	174,833	$	5,724,582

Due to the nature of our unfunded loan commitments, including unfunded lines of credit, the amounts presented in the table above do not necessarily represent amounts that we anticipate funding in the periods presented above.

Critical Accounting Policies

SEC guidance requires disclosure of “critical accounting policies.” The SEC defines “critical accounting policies” as those that are most important to the presentation of a company’s financial condition and results, and require management’s most difficult, subjective or complex judgments, often as a result of the need to make estimates about the effect of matters that are inherently uncertain.

Table of Contents

We follow financial accounting and reporting policies that are in accordance with accounting principles generally accepted in the United States. The more significant of these policies are summarized in Note 1 to the consolidated financial statements. Not all significant accounting policies require management to make difficult, subjective or complex judgments. However, the policy noted below could be deemed to meet the SEC’s definition of a critical accounting policy.

Management considers the policies related to the allowance for loan losses as the most critical to the financial statement presentation. The total allowance for loan losses includes activity related to allowances calculated in accordance with Accounting Standards Codification (“ASC”) 310, Receivables, and ASC 450, Contingencies. The allowance for loan losses is established through a provision for loan losses charged to current earnings. The amount maintained in the allowance reflects management’s continuing evaluation of the loan losses inherent in the loan portfolio. The allowance for loan losses is comprised of specific reserves assigned to certain classified loans and general reserves. Factors contributing to the determination of specific reserves include the creditworthiness of the borrower, and more specifically, changes in the expected future receipt of principal and interest payments and/or in the value of pledged collateral. A reserve is recorded when the carrying amount of the loan exceeds the discounted estimated cash flows using the loan’s initial effective interest rate or the fair value of the collateral for certain collateral dependent loans. For purposes of determining the general allowance, the portfolio is segregated by product types in order to recognize differing risk profiles among categories, and then further segregated by credit grades. See “Summary of Loan Loss Experience” and Note 3 – Loans Held for Investment and Allowance for Loan Losses in the accompanying notes to the consolidated financial statements included elsewhere in this report for further discussion of the risk factors considered by management in establishing the allowance for loan losses.

New Accounting Standards

See Note 23 – New Accounting Standards in the accompanying notes to the consolidated financial statements included elsewhere in this report for details of recently issued accounting pronouncements and their expected impact on our financial statements.


ITEM 7A.	QUANTITATIVE AND QUALITATIVE DISCLOSURE ABOUT MARKET RISK

Market risk is a broad term for the risk of economic loss due to adverse changes in the fair value of a financial instrument. These changes may be the result of various factors, including interest rates, foreign exchange rates, commodity prices, or equity prices. Additionally, the financial instruments subject to market risk can be classified either as held for trading purposes or held for other than trading.

We are subject to market risk primarily through the effect of changes in interest rates on our portfolio of assets held for purposes other than trading. Additionally, we have some market risk relative to commodity prices through our energy lending activities. Petroleum and natural gas commodity prices declined substantially during 2014, and prices have continued to be suppressed through 2015. Such declines in commodity prices, if sustained or continued, have and could continue to negatively impact our energy clients' ability to perform on their loan obligations. Management does not currently expect the current decline in commodity prices to have a material adverse effect on our financial position. Foreign exchange rates, commodity prices and/or equity prices do not pose significant market risk to us.

The responsibility for managing market risk rests with the Balance Sheet Management Committee (“BSMC”), which operates under policy guidelines established by our board of directors. The negative acceptable variation in net interest revenue due to a 200 basis point increase or decrease in interest rates is generally limited by these guidelines to plus or minus 5%. These guidelines also establish maximum levels for short-term borrowings, short-term assets and public and brokered deposits. The BSMC also establishes minimum levels for unpledged assets, among other things. Compliance with these guidelines is the ongoing responsibility of the BSMC, with exceptions reported to our board of directors on a quarterly basis. Additionally, the Credit Policy Committee ("CPC") specifically manages risk relative to commodity price market risks. The CPC establishes maximum portfolio concentration levels for energy loans as well as maximum advance rates for energy collateral.

Interest Rate Risk Management

Our interest rate sensitivity is illustrated in the following table. The table reflects rate-sensitive positions as of December 31, 2015, and is not necessarily indicative of positions on other dates. The balances of interest rate sensitive assets and liabilities are presented in the periods in which they next reprice to market rates or mature and are aggregated to show the interest rate sensitivity gap. The mismatch between repricings or maturities within a time period is commonly referred to as the “gap” for that period. A positive gap (asset sensitive), where interest rate-sensitive assets exceed interest rate sensitive liabilities, generally will result in the net interest margin increasing in a rising rate environment and decreasing in a falling rate environment. A negative gap (liability sensitive) will generally have the opposite results on the net interest margin. To reflect anticipated prepayments, certain asset and liability categories are shown in the table using estimated cash flows rather than contractual cash flows. The Company employs interest rate floors in certain variable rate loans to enhance the yield on those loans at times when market interest rates are extraordinarily low. The degree of asset sensitivity, spreads on loans and net

Table of Contents

interest margin may be reduced until rates increase by an amount sufficient to eliminate the effects of floors. The adverse effect of floors as market rates increase may also be offset by the positive gap, the extent to which rates on deposits and other funding sources lag increasing market rates and changes in composition of funding.

Interest Rate Sensitivity Gap Analysis

December 31, 2015



(in thousands)	0-3 mo Balance		4-12 mo Balance			1-3 yr Balance		3+ yr Balance			Total Balance
Assets:
Securities(1)	$	8,570	$	8,062		$	4,470	$	8,890		$	29,992
Total variable loans	14,881,753		42,608			—		—			14,924,361
Total fixed loans	375,794		963,635			378,388		213,037			1,930,854
Total loans(2)	15,257,547		1,006,243			378,388		213,037			16,855,215
Total interest sensitive assets	$	15,266,117	$	1,014,305		$	382,858	$	221,927		$	16,885,207
Liabilities
Interest-bearing customer deposits	$	8,170,213	$	—		$	—	$	—		$	8,170,213
CDs & IRAs	266,124		235,989			19,784		5,598			527,495
Total interest-bearing deposits	8,436,337		235,989			19,784		5,598			8,697,708
Repurchase agreements, Federal funds purchased, FHLB borrowings	843,051		800,000			—		—			1,643,051
Subordinated notes	—		—			—		286,000			286,000
Trust preferred subordinated debentures	—		—			—		113,406			113,406
Total borrowings	843,051		800,000			—		399,406			2,042,457
Total interest sensitive liabilities	$	9,279,388	$	1,035,989		$	19,784	$	405,004		$	10,740,165
GAP	$	5,986,729	$	(21,684	)	$	363,074	$	(183,077	)	$	—
Cumulative GAP	5,986,729		5,965,045			6,328,119		6,145,042			6,145,042

Demand deposits											$	6,386,911
Stockholders’ equity											1,623,533
Total											$	8,010,444


(1)	Securities based on fair market value.


(2)	Loans are stated at gross.

The table above sets forth the balances as of December 31, 2015 for interest-bearing assets, interest-bearing liabilities, and the total of non-interest-bearing deposits and stockholders’ equity. While a gap interest table is useful in analyzing interest rate sensitivity, an interest rate sensitivity simulation provides a better illustration of the sensitivity of earnings to changes in interest rates. Earnings are also affected by the effects of changing interest rates on the value of funding derived from demand deposits and stockholders’ equity. We perform a sensitivity analysis to identify interest rate risk exposure on net interest income. We quantify and measure interest rate risk exposure using a model to dynamically simulate the effect of changes in net interest income relative to changes in interest rates and account balances over the next twelve months based on three interest rate scenarios. These are a “most likely” rate scenario and two “shock test” scenarios.

The “most likely” rate scenario is based on the consensus forecast of future interest rates published by independent sources. These forecasts incorporate future spot rates and relevant spreads of instruments that are actively traded in the open market. The Federal Reserve’s Federal funds target affects short-term borrowing; the prime lending rate and the LIBOR are the basis for most of our variable-rate loan pricing. The 10-year mortgage rate is also monitored because of its effect on prepayment speeds for mortgage-backed securities. These are our primary interest rate exposures. We are currently not using derivatives to manage our interest rate exposure.

The two “shock test” scenarios assume a sustained parallel 100 and 200 basis point increase in interest rates. As short-term rates have remained low through 2015, we do not believe that analysis of an assumed decrease in interest rates would provide

Table of Contents

meaningful results. We will continue to evaluate these scenarios as interest rates change, until short-term rates rise above 3.0%, at which point we will resume evaluations of shock scenarios in which interest rates decrease.

Our interest rate risk exposure model incorporates assumptions regarding the level of interest rate or balance changes on indeterminable maturity deposits (demand deposits, interest-bearing transaction accounts and savings accounts) for a given level of market rate changes. These assumptions have been developed through a combination of historical analysis and future expected pricing behavior. Changes in prepayment behavior of mortgage-backed securities, residential and commercial mortgage loans in each rate environment are captured using industry estimates of prepayment speeds for various coupon segments of the portfolio. The impact of planned growth and new business activities is factored into the simulation model. This modeling indicated interest rate sensitivity as follows (in thousands):



	Anticipated Impact Over the Next Twelve Months as Compared to Most Likely Scenario
	December 31, 2015				December 31, 2014
	100 bp Increase		200 bp Increase		100 bp Increase		200 bp Increase

Change in net interest income	$	85,334	$	178,066	$	61,615	$	133,822

The simulations used to manage market risk are based on numerous assumptions regarding the effect of changes in interest rates on the timing and extent of repricing characteristics, future cash flows and customer behavior. These assumptions are inherently uncertain and, as a result, the model cannot precisely estimate net interest income or precisely predict the impact of higher or lower interest rates on net interest income. Actual results will differ from simulated results due to timing, magnitude and frequency of interest rate changes as well as changes in market conditions and management strategies, among other factors.

Table of Contents


ITEM 8.	FINANCIAL STATEMENTS AND SUPPLEMENTARY DATA

Index to Consolidated Financial Statements



	Page Reference
Report of Independent Registered Public Accounting Firm	57
Consolidated Balance Sheets — December 31, 2015 and December 31, 2014	58
Consolidated Statements of Income and Other Comprehensive Income — Years ended December 31, 2015, 2014 and 2013	59
Consolidated Statements of Stockholders’ Equity — Years ended December 31, 2015, 2014 and 2013	60
Consolidated Statements of Cash Flows — Years ended December 31, 2015, 2014 and 2013	61
Notes to Consolidated Financial Statements	62

Table of Contents

Report of Independent Registered Public Accounting Firm

The Board of Directors and Shareholders of

Texas Capital Bancshares, Inc.

We have audited the accompanying consolidated balance sheets of Texas Capital Bancshares, Inc. (the Company) as of December 31, 2015 and 2014, and the related consolidated statements of income and other comprehensive income, stockholders' equity, and cash flows for each of the three years in the period ended December 31, 2015. These financial statements are the responsibility of the Company's management. Our responsibility is to express an opinion on these financial statements based on our audits.

We conducted our audits in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether the financial statements are free of material misstatement. An audit includes examining, on a test basis, evidence supporting the amounts and disclosures in the financial statements. An audit also includes assessing the accounting principles used and significant estimates made by management, as well as evaluating the overall financial statement presentation. We believe that our audits provide a reasonable basis for our opinion.

In our opinion, the financial statements referred to above present fairly, in all material respects, the consolidated financial position of Texas Capital Bancshares, Inc. at December 31, 2015 and 2014, and the consolidated results of its operations and its cash flows for each of the three years in the period ended December 31, 2015, in conformity with U.S. generally accepted accounting principles.

We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), Texas Capital Bancshares, Inc.’s internal control over financial reporting as of December 31, 2015, based on criteria established in Internal Control-Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (2013 framework) and our report dated February 18, 2016 expressed an unqualified opinion thereon.

Dallas, Texas

February 18, 2016

Table of Contents

TEXAS CAPITAL BANCSHARES, INC.

CONSOLIDATED BALANCE SHEETS



	December 31,
(in thousands except per share data)	2015			2014
Assets
Cash and due from banks	$	109,496		$	96,524
Interest-bearing deposits	1,626,374			1,233,990
Federal funds sold and securities purchased under resale agreements	55,000			—
Securities, available-for-sale	29,992			41,719
Loans held for sale, at fair value	86,075			—
Loans held for investment, mortgage finance	4,966,276			4,102,125
Loans held for investment (net of unearned income)	11,745,674			10,154,887
Less: Allowance for loan losses	141,111			100,954
Loans held for investment, net	16,570,839			14,156,058
Mortgage servicing rights, net	423			—
Premises and equipment, net	23,561			23,135
Accrued interest receivable and other assets	387,419			333,699
Goodwill and intangible assets, net	19,960			20,588
Total assets	$	18,909,139		$	15,905,713
Liabilities and Stockholders’ Equity
Liabilities:
Deposits:
Non-interest-bearing	$	6,386,911		$	5,011,619
Interest-bearing	8,697,708			7,348,972
Interest-bearing in foreign branches	—			312,709
Total deposits	15,084,619			12,673,300
Accrued interest payable	5,097			4,747
Other liabilities	153,433			151,389
Federal funds purchased and repurchase agreements	143,051			92,676
Other borrowings	1,500,000			1,100,005
Subordinated notes	286,000			286,000
Trust preferred subordinated debentures	113,406			113,406
Total liabilities	17,285,606			14,421,523
Stockholders’ equity:
Preferred stock, $.01 par value, $1,000 liquidation value:
Authorized shares—10,000,000
Issued shares—6,000,000 shares issued at December 31, 2015 and 2014	150,000			150,000
Common stock, $.01 par value:
Authorized shares—100,000,000
Issued shares—45,874,224 and 45,735,424 at December 31, 2015 and 2014, respectively	459			457
Additional paid-in capital	714,546			709,738
Retained earnings	757,818			622,714
Treasury stock (shares at cost: 417 at December 31, 2015 and 2014)	(8		)	(8		)
Accumulated other comprehensive income, net of taxes	718			1,289
Total stockholders’ equity	1,623,533			1,484,190
Total liabilities and stockholders’ equity	$	18,909,139		$	15,905,713

See accompanying notes to consolidated financial statements.

Table of Contents

TEXAS CAPITAL BANCSHARES, INC.

CONSOLIDATED STATEMENTS OF INCOME AND OTHER

COMPREHENSIVE INCOME



	Year ended December 31,
(In thousands except per share data)	2015			2014			2013
Interest income
Interest and fees on loans	$	594,729		$	511,606		$	441,314
Securities	1,254			1,828			3,015
Federal funds sold	682			207			65
Deposits in other banks	6,293			906			231
Total interest income	602,958			514,547			444,625
Interest expense
Deposits	24,578			18,145			14,030
Federal funds purchased	284			373			686
Repurchase agreements	19			17			18
Other borrowings	2,232			356			515
Subordinated notes	16,764			16,202			7,327
Trust preferred subordinated debentures	2,551			2,489			2,536
Total interest expense	46,428			37,582			25,112
Net interest income	556,530			476,965			419,513
Provision for credit losses	53,250			22,000			19,000
Net interest income after provision for credit losses	503,280			454,965			400,513
Non-interest income
Service charges on deposit accounts	8,323			7,253			6,783
Trust fee income	5,022			4,937			5,023
Bank owned life insurance (BOLI) income	2,011			2,067			1,917
Brokered loan fees	18,661			13,981			16,980
Swap fees	4,275			2,992			5,520
Other	9,446			11,281			7,801
Total non-interest income	47,738			42,511			44,024
Non-interest expense
Salaries and employee benefits	192,610			169,051			157,752
Net occupancy expense	23,182			20,866			16,821
Marketing	16,491			15,989			16,203
Legal and professional	22,150			21,182			18,104
Communications and technology	21,425			18,667			13,762
FDIC insurance assessment	17,231			10,919			8,057
Other	33,434			28,440			26,030
Total non-interest expense	326,523			285,114			256,729
Income before income taxes	224,495			212,362			187,808
Income tax expense	79,641			76,010			66,757
Net income	144,854			136,352			121,051
Preferred stock dividends	9,750			9,750			7,394
Net income available to common stockholders	$	135,104		$	126,602		$	113,657
Other comprehensive gain (loss)
Change in unrealized gain on available-for-sale securities arising during period, before tax	$	(877	)	$	(522	)	$	(2,529	)
Income tax benefit related to unrealized loss on available-for-sale securities	(306		)	(183		)	(885		)
Other comprehensive loss net of tax	(571		)	(339		)	(1,644		)
Comprehensive income	$	144,283		$	136,013		$	119,407
Basic earnings per common share	$	2.95		$	2.93		$	2.78
Diluted earnings per common share	$	2.91		$	2.88		$	2.72

See accompanying notes to consolidated financial statements.

Table of Contents

TEXAS CAPITAL BANCSHARES, INC.

CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITY



	Preferred Stock			Common Stock			Additional						Treasury Stock					Accumulated Other
	Preferred Stock			Common Stock			Paid-in			Retained			Treasury Stock					Comprehensive
(In thousands except share data)	Shares	Amount		Shares	Amount		Capital			Earnings			Shares		Amount			Income			Total
Balance at December 31, 2012	—	$	—	40,727,996	$	407	$	450,116		$	382,455		(417	)	$	(8	)	$	3,272		$	836,242
Comprehensive income:
Net income	—	—		—	—		—			121,051			—		—			—			121,051
Change in unrealized gain (loss) on available-for-sale securities, net of taxes of $885	—	—		—	—		—			—			—		—			(1,644		)	(1,644		)
Total comprehensive income																					119,407
Tax expense related to exercise of stock-based awards	—	—		—	—		1,200			—			—		—			—			1,200
Stock-based compensation expense recognized in earnings	—	—		—	—		4,118			—			—		—			—			4,118
Issuance of preferred stock	6,000,000	150,000		—	—		(5,013		)	—			—		—			—			144,987
Preferred stock dividend	—	—		—	—		—			(7,394		)	—		—			—			(7,394		)
Issuance of stock related to stock-based awards	—	—		272,452	3		(2,253		)	—			—		—			—			(2,250		)
Issuance of common stock	—	—		36,339	—		40			—			—		—			—			40
Balance at December 31, 2013	6,000,000	150,000		41,036,787	410		448,208			496,112			(417	)	(8		)	1,628			1,096,350
Comprehensive income:
Net income	—	—		—	—		—			136,352			—		—			—			136,352
Change in unrealized gain (loss) on available-for-sale securities, net of taxes of $183	—	—		—	—		—			—			—		—			(339		)	(339		)
Total comprehensive income																					136,013
Tax expense related to exercise of stock-based awards	—	—		—	—		2,929			—			—		—			—			2,929
Stock-based compensation expense recognized in earnings	—	—		—	—		4,628			—			—		—			—			4,628
Preferred stock dividend	—	—		—	—		—			(9,750		)	—		—			—			(9,750		)
Issuance of stock related to stock-based awards	—	—		201,280	2		(2,205		)	—			—		—			—			(2,203		)
Issuance of common stock	—	—		4,398,128	44		256,179			—			—		—			—			256,223
Issuance of stock related to warrants	—	—		99,229	1		(1		)	—			—		—			—			—
Balance at December 31, 2014	6,000,000	150,000		45,735,424	457		709,738			622,714			(417	)	(8		)	1,289			1,484,190
Comprehensive income:
Net income	—	—		—	—		—			144,854			—		—			—			144,854
Change in unrealized gain (loss) on available-for-sale securities, net of taxes of $306	—	—		—	—		—			—			—		—			(571		)	(571		)
Total comprehensive income																					144,283
Tax expense related to exercise of stock-based awards	—	—		—	—		1,452			—			—		—			—			1,452
Stock-based compensation expense recognized in earnings	—	—		—	—		4,597			—			—		—			—			4,597
Preferred stock dividend	—	—		—	—		—			(9,750		)	—		—			—			(9,750		)
Issuance of common stock related to stock-based awards	—	—		138,800	2		(1,241		)	—			—		—			—			(1,239		)
Balance at December 31, 2015	6,000,000	$	150,000	45,874,224	$	459	$	714,546		$	757,818		(417	)	$	(8	)	$	718		$	1,623,533

See accompanying notes to consolidated financial statements.

Table of Contents

TEXAS CAPITAL BANCSHARES, INC.

CONSOLIDATED STATEMENTS OF CASH FLOWS



	Year ended December 31,
(In thousands)	2015			2014			2013
Operating activities
Net income	$	144,854		$	136,352		$	121,051
Adjustments to reconcile net income to net cash provided by operating activities:
Provision for credit losses	53,250			22,000			19,000
Deferred tax expense (benefit)	(3,561		)	(3,969		)	(11,599		)
Depreciation and amortization	16,495			14,798			11,480
Amortization of securities	—			—			22
BOLI income	(2,011		)	(2,067		)	(1,917		)
Stock-based compensation expense	12,304			14,577			20,953
Excess tax benefits from stock-based compensation arrangements	(1,499		)	(2,929		)	(1,200		)
Purchases of loans held for sale	(127,002		)	—			—
Proceeds from sales and repayments of loans held for sale	40,927			—			—
Capitalization of mortgage servicing rights	(437		)	—			—
(Gain) loss on sale of assets	179			(822		)	(931		)
Changes in operating assets and liabilities:
Accrued interest receivable and other assets	(61,002		)	(58,579		)	31,010
Accrued interest payable and other liabilities	(3,554		)	38,366			3,508
Net cash provided by operating activities	68,943			157,727			191,377
Investing activities
Purchases of available-for-sale securities	—			—			(2		)
Maturities and calls of available-for-sale securities	2,430			11,150			15,890
Principal payments received on available-for-sale securities	8,419			9,822			18,542
Originations of mortgage finance loans	(86,342,672		)	(58,090,177		)	(51,087,328		)
Proceeds from pay-offs of mortgage finance loans	85,478,521			56,772,317			51,478,335
Net increase in loans held for investment, excluding mortgage finance loans	(1,603,880		)	(1,676,927		)	(1,706,505		)
Purchase of premises and equipment, net	(5,034		)	(15,732		)	(4,029		)
Proceeds from sale of foreclosed assets	1,430			5,877			11,667
Cash paid for acquisition	—			—			(2,445		)
Net cash used in investing activities	(2,460,786		)	(2,983,670		)	(1,275,875		)
Financing activities
Net increase in deposits	2,411,319			3,415,921			1,816,575
Costs from issuance of stock related to stock-based awards and warrants	(1,239		)	(2,203		)	(2,210		)
Net proceeds from issuance of common stock	—			256,223			—
Net proceeds from issuance of preferred stock	—			—			144,987
Preferred dividends paid	(9,750		)	(9,750		)	(6,960		)
Net increase (decrease) in other borrowings	399,995			244,979			(797,002		)
Excess tax benefits from stock-based compensation arrangements	1,499			2,929			1,200
Net increase (decrease) in Federal funds purchased and repurchase agreements	50,375			(77,928		)	(124,529		)
Issuance of subordinated notes	—			172,375			—
Net cash provided by financing activities	2,852,199			4,002,546			1,032,061
Net increase (decrease) in cash and cash equivalents	460,356			1,176,603			(52,437		)
Cash and cash equivalents at beginning of period	1,330,514			153,911			206,348
Cash and cash equivalents at end of period	$	1,790,870		$	1,330,514		$	153,911
Supplemental disclosures of cash flow information:
Cash paid during the period for interest	$	46,078		$	33,584		$	24,962
Cash paid during the period for income taxes	87,450			74,998			77,635
Transfers from loans/leases to OREO and other repossessed assets	1,267			851			1,331

See accompanying notes to consolidated financial statements.

Table of Contents

(1) Operations and Summary of Significant Accounting Policies

Organization and Nature of Business

Texas Capital Bancshares, Inc. (the "Company”), a Delaware corporation, was incorporated in November 1996 and commenced banking operations in December 1998. The consolidated financial statements of the Company include the accounts of Texas Capital Bancshares, Inc. and its wholly owned subsidiary, Texas Capital Bank, National Association (the "Bank”). We serve the needs of commercial businesses and successful professionals and entrepreneurs located in Texas as well as operate several lines of business serving a regional or national clientele of commercial borrowers. We are primarily a secured lender, with our greatest concentration of loans in Texas.

Basis of Presentation

Our accounting and reporting policies conform to accounting principles generally accepted in the United States ("GAAP") and to generally accepted practices within the banking industry. Certain prior period balances have been reclassified to conform to the current period presentation.

Use of Estimates

The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements. Actual results could differ from those estimates. The allowance for loan losses, the fair value of stock-based compensation awards, the fair values of financial instruments and the status of contingencies are particularly susceptible to significant change in the near term.

Cash and Cash Equivalents

Cash equivalents include amounts due from banks, interest-bearing deposits and Federal funds sold.

Securities

Securities are classified as trading, available-for-sale or held-to-maturity. Management classifies securities at the time of purchase and re-assesses such designation at each balance sheet date; however, transfers between categories from this re-assessment are rare.

Trading Account

Securities acquired for resale in anticipation of short-term market movements are classified as trading, with realized and unrealized gains and losses recognized in income. To date, we have not had any activity in our trading account.

Available-for-Sale

Debt securities are classified as held-to-maturity when we have the positive intent and ability to hold the securities to maturity. Held-to-maturity securities are stated at amortized cost. Debt securities not classified as held-to-maturity or trading and marketable equity securities not classified as trading are classified as available-for-sale.

Available-for-sale securities are stated at fair value, with the unrealized gains and losses reported in a separate component of accumulated other comprehensive income (loss), net of tax. The amortized cost of debt securities is adjusted for amortization of premiums and accretion of discounts to maturity, or in the case of mortgage-backed securities, over the estimated life of the security. Such amortization and accretion is included in interest income from securities. Realized gains and losses and declines in value judged to be other-than-temporary are included in gain (loss) on sale of securities. The cost of securities sold is based on the specific identification method.

All securities are available-for-sale as of December 31, 2015 and 2014.

Loans

Loans Held for Sale

Through our MCA program, we commit to purchase residential mortgage loans from independent correspondent lenders and deliver those loans into the secondary market via whole loan sales to independent third parties or in securitization transactions to GSEs such as Fannie Mae, Freddie Mac or Ginnie Mae. In some cases, we retain the mortgage servicing rights. Once purchased, these loans are classified as held for sale and are carried at fair value pursuant to our election of the fair value option in accordance with Accounting Standards Codification 825, Financial Instruments ("ASC 825"). At the commitment date, we enter into a corresponding forward sale commitment with a third party, typically a GSE, to deliver the loans within a specified timeframe. The estimated gain/loss for the entire transaction (from initial purchase commitment to final delivery of loans) is recorded as an asset or liability. Fair value is derived from observable current market prices, when available, and includes the

Table of Contents

fair value of the mortgage servicing rights. Adjustments to reflect unrealized gains and losses resulting from changes in fair value and realized gains and losses upon ultimate sale of the loans are classified as other non-interest income in the consolidated statements of income and other comprehensive income.

Loans Held for Investment

Loans held for investment (which include equipment leases accounted for as financing leases) are stated at the amount of unpaid principal reduced by deferred income (net of costs). Interest on loans is recognized using the simple-interest method on the daily balances of the principal amounts outstanding. Loan origination fees, net of direct loan origination costs, and commitment fees, are deferred and amortized as an adjustment to yield over the life of the loan, or over the commitment period, as applicable.

A loan held for investment is considered impaired when, based on current information and events, it is probable that we will be unable to collect all amounts due (both principal and interest) according to the terms of the loan agreement. Reserves on impaired loans are measured based on the present value of expected future cash flows discounted at the loan’s effective interest rate or the fair value of the underlying collateral, less cost to sell. Impaired loans, or portions thereof, are charged off when a confirmed loss exists.

The accrual of interest on loans is discontinued when there is a clear indication that the borrower’s cash flow may not be sufficient to meet payments as they become due, which is generally when a loan is 90 days past due. When a loan is placed on non-accrual status, all previously accrued and unpaid interest is reversed. Interest income is subsequently recognized on a cash basis as long as the remaining book balance of the asset is deemed to be collectible. If collectability is questionable, then cash payments are applied to principal. A loan is placed back on accrual status when both principal and interest are current and it is probable that we will be able to collect all amounts due (both principal and interest) according to the terms of the loan agreement.

Loans held for investment includes legal ownership interests in mortgage loans that we purchase through our mortgage warehouse lending division. The ownership interests are purchased from unaffiliated mortgage originators who are seeking additional funding through sale of the undivided ownership interests to facilitate their ability to originate loans. The mortgage originator has no obligation to offer and we have no obligation to purchase these interests. The originator closes mortgage loans consistent with underwriting standards established by approved investors, and, at the time of the sale to the investor, our ownership interest and that of the originator are delivered by us to the investor selected by the originator and approved by us. We typically purchase up to a 99% ownership interest in each mortgage with the originator owning the remaining percentage. These mortgage ownership interests are held by us for a period of less than 30 days and more typically 10-20 days. Because of conditions in agreements with originators designed to reduce transaction risks, under ASC 860, Transfers and Servicing of Financial Assets (“ASC 860”), the ownership interests do not qualify as participating interests. Under ASC 860, the ownership interests are deemed to be loans to the originators and payments we receive from investors are deemed to be payments made by or on behalf of the originator to repay the loan deemed made to the originator. Because we have an actual, legal ownership interest in the underlying residential mortgage loan, these interests are not extensions of credit to the originators that are secured by the mortgage loans as collateral.

Due to market conditions or events of default by the investor or the originator, we could be required to purchase the remaining interests in the mortgage loans and hold them beyond the expected 10-20 days. Mortgage loans acquired under these conditions would require mark-to-market adjustments to income and could require future allocations of the allowance for loan losses or be subject to charge off in the event the loans become impaired. Mortgage loan interests purchased and disposed of as expected receive no allocation of the allowance for loan losses due to the minimal loss experience with these assets.

Allowance for Loan Losses

The allowance for loan losses is comprised of specific reserves for impaired loans and an estimate of losses inherent in the portfolio at the balance sheet date, but not yet identified with specified loans. We regularly evaluate our allowance for loan losses to maintain an appropriate level to absorb estimated loan losses inherent in the loan portfolio. Factors contributing to the determination of the allowance include the creditworthiness of the borrower, changes in the value of pledged collateral, and general economic conditions. All loan commitments rated substandard or worse and greater than $500,000 are specifically reviewed for loss potential. For loans deemed to be impaired, a specific allocation is assigned based on the losses expected to be realized from those loans. For purposes of determining the general reserve, the portfolio is segregated by product types to recognize differing risk profiles among categories, and then further segregated by credit grades. Credit grades are assigned to all loans. Each credit grade is assigned a risk factor, or reserve allocation percentage. These risk factors are multiplied by the outstanding principal balance and risk-weighted by product type to calculate the required reserve. A similar process is employed to calculate a reserve assigned to off-balance sheet commitments, specifically unfunded loan commitments and letters of credit, and any needed reserve is recorded in other liabilities. Even though portions of the allowance may be allocated to specific loans, the entire allowance is available for any credit that, in management’s judgment, should be charged off.

Table of Contents

We have several pass credit grades that are assigned to loans based on varying levels of risk, ranging from credits that are secured by cash or marketable securities, to watch credits which have all the characteristics of an acceptable credit risk but warrant more than the normal level of monitoring. Within our criticized/classified credit grades are special mention, substandard, and doubtful. Special mention loans are those that are currently protected by the sound worth and paying capacity of the borrower, but that are potentially weak and constitute an additional credit risk. The loan has the potential to deteriorate to a substandard grade due to the existence of financial or administrative deficiencies. Substandard loans have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that we will sustain some loss if the deficiencies are not corrected. Some substandard loans are inappropriately protected by sound worth and paying capacity of the borrower and of the collateral pledged and may be considered impaired. Substandard loans can be accruing or can be on non-accrual depending on the circumstances of the individual loans. Loans classified as doubtful have all the weaknesses inherent in substandard loans with the added characteristics that the weaknesses make collection or liquidation in full highly questionable and improbable. The possibility of loss is extremely high. All doubtful loans are on non-accrual.

The allowance allocation percentages assigned to each credit grade have been developed based primarily on an analysis of our historical loss rates. The allocations are adjusted for certain qualitative factors, including general economic conditions, changes in credit policies and lending standards. Changes in the trend and severity of problem loans can cause the estimation of losses to differ from past experience. In addition, the allowance considers the results of reviews performed by independent third party reviewers as reflected in their confirmations of assigned credit grades within the portfolio. The portion of the allowance that is not derived by the allowance allocation percentages compensates for the uncertainty and complexity in estimating loan and lease losses including factors and conditions that may not be fully reflected in the determination and application of the allowance allocation percentages. Examples of risks that support the Bank's maintaining an additional qualitative reserve include the possibility of precipitous negative changes in economic conditions and borrowers' submission of financial statements or certifications of collateral value that subsequently prove to be materially inaccurate for reason of either misstatement or omission of critical information. These situations, while not common, do not necessarily correlate well with the general risk profile presented by assigned credit grade and product type categories. We evaluate many such factors and conditions in determining the additional qualitative portion of the allowance, including amount and frequency of losses attributable to issues not specifically addressed or included in the determination and application of the allowance allocation percentages.

The methodology used in the periodic review of the appropriateness of the allowance, which is performed at least quarterly, is designed to be dynamic and responsive to changes in portfolio credit quality. The changes are reflected in the general allowance and in specific reserves as the collectability of larger classified loans is evaluated with new information. As our portfolio has matured, historical loss ratios have been closely monitored, and our reserve adequacy relies primarily on our loss history. The review of the appropriateness of the allowance is performed by executive management and presented to a committee of our board of directors for their review. The committee reports to the board as part of the board's review on a quarterly basis of the Company's consolidated financial statements.

Other Real Estate Owned

Other real estate owned (“OREO”), which is included in other assets on the consolidated balance sheet, consists of real estate that has been foreclosed. Real estate that has been foreclosed is recorded at the fair value of the real estate, less selling costs, through a charge to the allowance for loan losses, if necessary. Subsequent write-downs required for declines in value are recorded through a valuation allowance, or taken directly to the asset, charged to other non-interest expense.

Premises and Equipment

Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed using the straight-line method over the estimated useful lives of the assets, which range from three to ten years. Gains or losses on disposals of premises and equipment are included in results of operations.

Marketing and Software

Marketing costs are expensed as incurred. Ongoing maintenance and enhancements of websites are expensed as incurred. Costs incurred in connection with development or purchase of internal use software are capitalized and amortized over a period not to exceed five years. Internal use software costs are included in other assets in the consolidated balance sheets.

Goodwill and Other Intangible Assets

Intangible assets are acquired assets that lack physical substance but can be distinguished from goodwill because of contractual or other legal rights or because the asset is capable of being sold or exchanged either on its own or in combination with a related contract, asset, or liability. Our intangible assets relate primarily to loan customer relationships. Intangible assets with definite useful lives are amortized on an accelerated basis over their estimated life. Goodwill and intangible assets are tested for

Table of Contents

impairment during the fourth quarter on an annual basis or whenever events or changes in circumstances indicate the carrying amount of the assets may not be recoverable from future undiscounted cash flows. If impaired, the assets are recorded at fair value.

Segment Reporting

We have determined that all of our lending divisions and subsidiaries meet the aggregation criteria of ASC 280, Segment Reporting, since all offer similar products and services, operate with similar processes, and have similar customers.

Stock-based Compensation

We account for all stock-based compensation transactions in accordance with ASC 718, Compensation — Stock Compensation (“ASC 718”), which requires that stock compensation transactions be recognized as compensation expense in the consolidated statement of income and other comprehensive income based on their fair values on the measurement date, which is the date of the grant.

Accumulated Other Comprehensive Income

Unrealized gains or losses on our available-for-sale securities (after applicable income tax expense or benefit) are included in accumulated other comprehensive income, net. Accumulated comprehensive income (loss), net for the three years ended December 31, 2015 is reported in the accompanying consolidated statements of stockholders’ equity and consolidated statements of income and other comprehensive income.

Income Taxes

The Company and its subsidiary file a consolidated federal income tax return. We utilize the liability method in accounting for income taxes. Under this method, deferred tax assets and liabilities are determined based upon the difference between the values of the assets and liabilities as reflected in the financial statements and their related tax basis using enacted tax rates in effect for the year in which the differences are expected to be recovered or settled. As changes in tax law or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. A valuation reserve is provided against deferred tax assets unless it is more likely than not that such deferred tax assets will be realized.

Basic and Diluted Earnings Per Common Share

Basic earnings per common share is based on net income available to common stockholders divided by the weighted-average number of common shares outstanding during the period excluding non-vested stock. Diluted earnings per common share include the dilutive effect of stock options and non-vested stock awards granted using the treasury stock method. A reconciliation of the weighted-average shares used in calculating basic earnings per common share and the weighted average common shares used in calculating diluted earnings per common share for the reported periods is provided in Note 15 — Earnings Per Share.

Fair Values of Financial Instruments

ASC 820, Fair Value Measurements and Disclosures (“ASC 820”), defines fair value, establishes a framework for measuring fair value under GAAP and enhances disclosures about fair value measurements. In general, fair values of financial instruments are based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows.

Mortgage Servicing Rights

MSRs are created by selling purchased or originated mortgage loans with servicing rights retained. We identify classes of servicing rights based upon the nature of the underlying assumptions used to value the asset along with the risks associated with the underlying asset. Based upon these criteria we have one class of MSRs, residential.

Originated MSRs are recognized based on the estimated fair value of the mortgage loans and the related servicing rights at the date of sale using values derived from a valuation model managed by a third party. MSRs are amortized in proportion, and over the estimated life of the projected net servicing revenue and are periodically evaluated for impairment. MSRs are reported on the consolidated balance sheets at lower of cost or market. Loan servicing fee income represents income earned for servicing mortgage loans owned by investors and includes mortgage servicing fees and other ancillary servicing income. Servicing fees are recorded as income when earned and are reported in other non-interest income on the consolidated statements of income and other comprehensive income. For additional information on MSRs, see Note 5 - Certain Transfers of Financial Assets.

Table of Contents

Financial Instruments with Off-Balance Sheet Risk

The Company has undertaken certain guarantee obligations in the ordinary course of business. These guarantees include liabilities with both balance sheet and off-balance sheet risk. We consider the following arrangements to be guarantees: commitments to extend credit, standby letters credit and indemnification agreements included within third party contractual arrangements. For additional information on commitments and contingencies, see Note 13 - Financial Instruments with Off-Balance Sheet Risk.

Derivative Financial Instruments

All contracts that satisfy the definition of a derivative are recorded at fair value in other assets and other liabilities in the consolidated balance sheets. We record the derivatives on a net basis when a right of offset exists, based on transactions with a single counterparty that are subject to a legally enforceable master netting agreement. For additional information on derivative financial instruments, see Note 20 - Derivative Financial Instruments.

(2) Securities

The following is a summary of securities (in thousands):



	December 31, 2015
	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Estimated Fair Value
Available-for-sale securities:
Residential mortgage-backed securities	$	20,536	$	1,365	$	—		$	21,901
Municipals	828		3		—			831
Equity securities(1)	7,522		11		(273		)	7,260
	$	28,886	$	1,379	$	(273	)	$	29,992



	December 31, 2014
	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Estimated Fair Value
Available-for-sale securities:
Residential mortgage-backed securities	$	28,957	$	2,108	$	—		$	31,065
Municipals	3,257		10		—			3,267
Equity securities(1)	7,522		16		(151		)	7,387
	$	39,736	$	2,134	$	(151	)	$	41,719


(1)	Equity securities consist of Community Reinvestment Act funds.

The amortized cost and estimated fair value of securities are presented below by contractual maturity (in thousands, except percentage data):



	December 31, 2015
	Less Than One Year			After One Through Five Years			After Five Through Ten Years			After Ten Years			Total
Available-for-sale:
Residential mortgage-backed securities:(1)
Amortized cost	$	214		$	4,655		$	4,265		$	11,402		$	20,536
Estimated fair value	217			4,837			4,747			12,100			21,901
Weighted average yield(3)	5.62		%	4.71		%	5.54		%	2.53		%	3.68		%
Municipals:(2)
Amortized cost	265			563			—			—			828
Estimated fair value	265			566			—			—			831
Weighted average yield(3)	5.46		%	5.69		%	—		%	—		%	5.62		%
Equity securities:(4)
Amortized cost	7,522			—			—			—			7,522
Estimated fair value	7,260			—			—			—			7,260
Total available-for-sale securities:
Amortized cost													$	28,886
Estimated fair value													$	29,992



	December 31, 2014
	Less Than One Year			After One Through Five Years			After Five Through Ten Years			After Ten Years			Total
Available-for-sale:
Residential mortgage-backed securities:(1)
Amortized cost	$	1		$	9,151		$	5,661		$	14,144		$	28,957
Estimated fair value	1			9,662			6,333			15,069			31,065
Weighted average yield(3)	6.50		%	4.79		%	5.54		%	2.36		%	3.75		%
Municipals:(2)
Amortized cost	1,669			1,588			—			—			3,257
Estimated fair value	1,674			1,593			—			—			3,267
Weighted average yield(3)	5.78		%	5.79		%	—			—			5.79		%
Equity securities:(4)
Amortized cost	7,522			—			—			—			7,522
Estimated fair value	7,387			—			—			—			7,387
Total available-for-sale securities:
Amortized cost													$	39,736
Estimated fair value													$	41,719


(1)	Actual maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without prepayment penalties. The average expected life of the mortgage-backed securities was 0.8 years at December 31, 2015 and 1.2 years at December 31, 2014.


(2)	Yields have been adjusted to a tax equivalent basis assuming a 35% federal tax rate.


(3)	Yields are calculated based on amortized cost.

Table of Contents


(4)	These equity securities do not have a stated maturity.

Securities with carrying values of approximately $20.7 million and $32.7 million were pledged to secure certain borrowings and deposits at December 31, 2015 and 2014, respectively. See Note 9 — Borrowing Arrangements for discussion of securities securing borrowings. Of the pledged securities at December 31, 2015 and 2014, approximately $6.6 million and $10.9 million, respectively, were pledged for certain deposits.

The following table discloses, as of December 31, 2015 and December 31, 2014, our investment securities that have been in a continuous unrealized loss position for less than 12 months and those that have been in a continuous unrealized loss position for 12 or more months (in thousands):



December 31, 2015	Less Than 12 Months				12 Months or Longer					Total
	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss			Fair Value		Unrealized Loss

Equity securities	$	—	$	—	$	6,227	$	(273	)	$	6,227	$	(273	)

December 31, 2014	Less Than 12 Months				12 Months or Longer					Total
	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss			Fair Value		Unrealized Loss

Equity securities	$	—	$	—	$	6,349	$	(151	)	$	6,349	$	(151	)

At December 31, 2015 and 2014, we owned one security with an unrealized loss position. This security is a publicly traded equity fund and is subject to market pricing volatility. We do not believe that this unrealized loss is “other than temporary.” We have evaluated the near-term prospects of the investment in relation to the severity and duration of the impairment and based on that evaluation have the ability and intent to hold the investment until recovery of fair value.

Unrealized gains or losses on our available-for-sale securities (after applicable income tax expense or benefit) are included in accumulated other comprehensive income, net. We had comprehensive income of $144.3 million for the year ended December 31, 2015 and comprehensive income of $136.0 million for the year ended December 31, 2014.

(3) Loans Held for Investment and Allowance for Loan Losses

Loans held for investment are summarized by category as follows (in thousands):



	December 31,
	2015			2014
Commercial	$	6,672,631		$	5,869,219
Mortgage finance	4,966,276			4,102,125
Construction	1,851,717			1,416,405
Real estate	3,139,197			2,807,127
Consumer	25,323			19,699
Equipment leases	113,996			99,495
Gross loans held for investment	16,769,140			14,314,070
Deferred income (net of direct origination costs)	(57,190		)	(57,058		)
Allowance for loan losses	(141,111		)	(100,954		)
Total loans held for investment	$	16,570,839		$	14,156,058

Commercial Loans and Leases. Our commercial loan portfolio is comprised of lines of credit for working capital and term loans and leases to finance equipment and other business assets. Our energy production loans are generally collateralized with proven reserves based on appropriate valuation standards and take into account the risk of oil and gas price volatility. Our commercial loans and leases are underwritten after carefully evaluating and understanding the borrower’s ability to operate profitably. Our underwriting standards are designed to promote relationship banking rather than to make loans on a transaction basis. Our lines of credit typically are limited to a percentage of the value of the assets securing the line. Lines of credit and term loans typically are reviewed annually and are supported by accounts receivable, inventory, equipment and other assets of our clients’ businesses.

Mortgage Finance Loans. Our mortgage finance loans consist of ownership interests purchased in single-family residential mortgages funded through our mortgage finance group. These loans are typically held on our balance sheet for 10 to 20 days.

Table of Contents

We have agreements with mortgage lenders and purchase interests in individual loans they originate. All loans are underwritten consistent with established programs for permanent financing with financially sound investors. Substantially all loans are conforming loans. December 31, 2015 and 2014 balances are stated net of $454.8 million and $358.3 million participations sold, respectively.

Construction Loans. Our construction loan portfolio consists primarily of single- and multi-family residential properties and commercial projects used in manufacturing, warehousing, service or retail businesses. Our construction loans generally have terms of one to three years. We typically make construction loans to developers, builders and contractors that have an established record of successful project completion and loan repayment and have a substantial equity investment in the borrowers. Loan amounts are derived primarily from the Bank's evaluation of expected cash flows available to service debt from stabilized projects under hypothetically stressed conditions. Construction loans are also based in part upon estimates of costs and value associated with the completed project. Sources of repayment for these types of loans may be pre-committed permanent loans from other lenders, sales of developed property, or an interim loan commitment from us until permanent financing is obtained. The nature of these loans makes ultimate repayment sensitive to overall economic conditions. Borrowers may not be able to correct conditions of default in loans, increasing risk of exposure to classification, non-performing status, reserve allocation and actual credit loss and foreclosure. These loans typically have floating rates and commitment fees.

Real Estate Loans. A portion of our real estate loan portfolio is comprised of loans secured by properties other than market risk or investment-type real estate. Market risk loans are real estate loans where the primary source of repayment is expected to come from the sale, permanent financing or lease of the real property collateral. We generally provide temporary financing for commercial and residential property. These loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Our real estate loans generally have maximum terms of five to seven years, and we provide loans with both floating and fixed rates. We generally avoid long-term loans for commercial real estate held for investment. Real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. Appraised values may be highly variable due to market conditions and the impact of the inability of potential purchasers and lessees to obtain financing and a lack of transactions at comparable values.

At December 31, 2015 and 2014, we had a blanket floating lien on certain real estate-secured loans, mortgage finance loans and also certain securities used as collateral for FHLB borrowings.

Summary of Loan Losses

The allowance for loan losses is comprised of specific reserves for impaired loans and an estimate of losses inherent in the portfolio at the balance sheet date, but not yet identified with specified loans. We consider the allowance at December 31, 2015 to be appropriate, given management's assessment of potential losses inherent in the portfolio as of the evaluation date, the significant growth in the loan and lease portfolio, current economic conditions in our market areas and other factors.

Table of Contents

The following tables summarize the credit risk profile of our loan portfolio by internally assigned grades and non-accrual status as of December 31, 2015 and 2014 (in thousands):



	Commercial		Mortgage Finance		Construction		Real Estate		Consumer		Equipment Leases		Total
December 31, 2015
Grade:
Pass	$	6,375,332	$	4,966,276	$	1,821,678	$	3,085,463	$	25,093	$	103,560	$	16,377,402
Special mention	111,911		—		13,090		30,585		3		334		155,923
Substandard- accruing	46,731		—		281		3,837		227		4,951		56,027
Non-accrual	138,657		—		16,668		19,312		—		5,151		179,788
Total loans held for investment	$	6,672,631	$	4,966,276	$	1,851,717	$	3,139,197	$	25,323	$	113,996	$	16,769,140



	Commercial		Mortgage Finance		Construction		Real Estate		Consumer		Equipment Leases		Total
December 31, 2014
Grade:
Pass	$	5,738,474	$	4,102,125	$	1,414,671	$	2,785,804	$	19,579	$	91,044	$	14,151,697
Special mention	53,839		—		1,734		8,723		11		4,363		68,670
Substandard-accruing	43,784		—		—		2,653		47		3,915		50,399
Non-accrual	33,122		—		—		9,947		62		173		43,304
Total loans held for investment	$	5,869,219	$	4,102,125	$	1,416,405	$	2,807,127	$	19,699	$	99,495	$	14,314,070

Table of Contents

The following tables detail activity in the reserve for loan losses by portfolio segment for the years ended December 31, 2015 and 2014 (in thousands). Allocation of a portion of the reserve to one category of loans does not preclude its availability to absorb losses in other categories.



	Commercial		Mortgage Finance		Construction			Real Estate			Consumer			Equipment Leases			Additional Qualitative Reserve			Total
December 31, 2015
Beginning balance	$	70,654	$	—	$	7,935		$	15,582		$	240		$	1,141		$	5,402		$	100,954
Provision for loan losses	53,102		—		(1,499		)	(1,845		)	(13		)	2,777			(1,223		)	51,299
Charge-offs	16,254		—		—			389			62			25			—			16,730
Recoveries	4,944		—		400			33			173			38			—			5,588
Net charge-offs (recoveries)	11,310		—		(400		)	356			(111		)	(13		)	—			11,142
Ending balance	$	112,446	$	—	$	6,836		$	13,381		$	338		$	3,931		$	4,179		$	141,111
Period end amount allocated to:
Loans individually evaluated for impairment	$	19,840	$	—	$	—		$	1,191		$	—		$	2,436		$	—		$	23,467
Loans collectively evaluated for impairment	92,606		—		6,836			12,190			338			1,495			4,179			117,644
Ending balance	$	112,446	$	—	$	6,836		$	13,381		$	338		$	3,931		$	4,179		$	141,111
	Commercial		Mortgage Finance		Construction			Real Estate			Consumer			Equipment Leases			Additional Qualitative Reserve			Total
December 31, 2014
Beginning balance	$	39,868	$	—	$	14,553		$	24,210		$	149		$	3,105		$	5,719		$	87,604
Provision for loan losses	37,827		—		(6,618		)	(8,411		)	195			(3,046		)	(317		)	19,630
Charge-offs	9,803		—		—			296			266			—			—			10,365
Recoveries	2,762		—		—			79			162			1,082			—			4,085
Net charge-offs (recoveries)	7,041		—		—			217			104			(1,082		)	—			6,280
Ending balance	$	70,654	$	—	$	7,935		$	15,582		$	240		$	1,141		$	5,402		$	100,954
Period end amount allocated to:
Loans individually evaluated for impairment	$	7,705	$	—	$	—		$	636		$	9		$	26		$	—		$	8,376
Loans collectively evaluated for impairment	62,949		—		7,935			14,946			231			1,115			5,402			92,578
Ending balance	$	70,654	$	—	$	7,935		$	15,582		$	240		$	1,141		$	5,402		$	100,954

We have traditionally maintained an additional qualitative reserve component to compensate for the uncertainty and complexity in estimating loan and lease losses including factors and conditions that may not be fully reflected in the determination and application of the allowance allocation percentages. We believe the level of additional qualitative reserves at December 31, 2015 and 2014 is warranted due to the continued uncertain economic environment which has produced losses, including those resulting from borrowers' misstatement of financial information or inaccurate certification of collateral values. Such losses are not necessarily correlated with historical loss trends or general economic conditions. Our methodology used to calculate the allowance considers historical losses; however, the historical loss rates for specific product types or credit risk grades may not fully incorporate the effects of continued weakness in the economy.

Our recorded investment in loans as of December 31, 2015 and 2014 related to each balance in the allowance for loan losses by portfolio segment and disaggregated on the basis of our impairment methodology was as follows (in thousands):



	Commercial		Mortgage Finance		Construction		Real Estate		Consumer		Equipment Leases		Total
December 31, 2015
Loans individually evaluated for impairment	$	140,479	$	—	$	16,668	$	21,042	$	—	$	5,151	$	183,340
Loans collectively evaluated for impairment	6,532,152		4,966,276		1,835,049		3,118,155		25,323		108,845		16,585,800
Total	$	6,672,631	$	4,966,276	$	1,851,717	$	3,139,197	$	25,323	$	113,996	$	16,769,140

Table of Contents



	Commercial		Mortgage Finance		Construction		Real Estate		Consumer		Equipment Leases		Total
December 31, 2014
Loans individually evaluated for impairment	$	35,165	$	—	$	—	$	13,880	$	62	$	173	$	49,280
Loans collectively evaluated for impairment	5,834,054		4,102,125		1,416,405		2,793,247		19,637		99,322		14,264,790
Total	$	5,869,219	$	4,102,125	$	1,416,405	$	2,807,127	$	19,699	$	99,495	$	14,314,070

Generally we place loans on non-accrual when there is a clear indication that the borrower’s cash flow may not be sufficient to meet payments as they become due, which is generally when a loan is 90 days past due. When a loan is placed on non-accrual status, all previously accrued and unpaid interest is reversed. Interest income is subsequently recognized on a cash basis as long as the remaining unpaid principal amount of the loan is deemed to be fully collectible. If collectability is questionable, then cash payments are applied to principal. We recognized $1.6 million in interest income on non-accrual loans during 2015 compared to $1.7 million in 2014 and $2.4 million in 2013. Additional interest income that would have been recorded if the loans had been current during the years ended December 31, 2015, 2014 and 2013 totaled $7.0 million, $2.1 million and $2.5 million, respectively. As of December 31, 2015, $884,000 of our non-accrual loans were earning on a cash basis, compared to $310,000 at December 31, 2014. A loan is placed back on accrual status when both principal and interest are current and it is probable that we will be able to collect all amounts due (both principal and interest) according to the terms of the loan agreement.

Table of Contents

A loan held for investment is considered impaired when, based on current information and events, it is probable that we will be unable to collect all amounts due (both principal and interest) according to the terms of the loan agreement. In accordance with ASC 310, Receivables, we have included all restructured loans in our impaired loan totals. The following tables detail our impaired loans, by portfolio class as of December 31, 2015 and 2014 (in thousands):



December 31, 2015
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial
Business loans	$	11,097	$	13,529	$	—	$	17,311	$	—
Energy loans	37,968		37,968		—		21,791		36
Construction
Market risk	16,668		16,668		—		9,764		—
Real estate
Market risk	—		—		—		3,352		—
Commercial	15,353		15,353		—		4,364		24
Secured by 1-4 family	—		—		—		—		—
Consumer	—		—		—		—		—
Equipment leases	2,417		2,417		—		3,233		—
Total impaired loans with no allowance recorded	$	83,503	$	85,935	$	—	$	59,815	$	60
With an allowance recorded:
Commercial
Business loans	$	20,983	$	25,300	$	5,737	$	31,131	$	—
Energy loans	70,431		70,431		14,103		6,641		—
Construction
Market risk	—		—		—		—		—
Real estate
Market risk	5,335		5,335		1,066		2,558		—
Commercial	—		—		—		306		—
Secured by 1-4 family	354		354		125		1,580		—
Consumer	—		—		—		10		—
Equipment leases	2,734		2,734		2,436		302		—
Total impaired loans with an allowance recorded	$	99,837	$	104,154	$	23,467	$	42,528	$	—
Combined:
Commercial
Business loans	$	32,080	$	38,829	$	5,737	$	48,442	$	—
Energy loans	108,399		108,399		14,103		28,432		36
Construction
Market risk	16,668		16,668		—		9,764		—
Real estate
Market risk	5,335		5,335		1,066		5,910		—
Commercial	15,353		15,353		—		4,670		24
Secured by 1-4 family	354		354		125		1,580		—
Consumer	—		—		—		10		—
Equipment leases	5,151		5,151		2,436		3,535		—
Total impaired loans	$	183,340	$	190,089	$	23,467	$	102,343	$	60

Table of Contents



December 31, 2014
	Recorded Investment		Unpaid Principal Balance		Related Allowance		Average Recorded Investment		Interest Income Recognized
With no related allowance recorded:
Commercial
Business loans	$	9,608	$	11,857	$	—	$	7,334	$	—
Energy loans	—		—		—		375		25
Construction
Market risk	—		—		—		118		—
Real estate
Market risk	3,735		3,735		—		7,970		—
Commercial	3,521		3,521		—		2,795		—
Secured by 1-4 family	—		—		—		1,210		—
Consumer	—		—		—		—		—
Equipment leases	—		—		—		—		—
Total impaired loans with no allowance recorded	$	16,864	$	19,113	$	—	$	19,802	$	25
With an allowance recorded:
Commercial
Business loans	$	24,553	$	25,553	$	7,433	$	17,705	$	—
Energy loans	1,004		1,004		272		991		—
Construction
Market risk	—		—		—		—		—
Real estate
Market risk	4,203		4,203		317		5,064		—
Commercial	526		526		79		705		—
Secured by 1-4 family	1,895		1,895		240		2,119		—
Consumer	62		62		9		16		—
Equipment leases	173		173		26		41		—
Total impaired loans with an allowance recorded	$	32,416	$	33,416	$	8,376	$	26,641	$	—
Combined:
Commercial
Business loans	$	34,161	$	37,410	$	7,433	$	25,039	$	—
Energy loans	1,004		1,004		272		1,366		25
Construction
Market risk	—		—		—		118		—
Real estate
Market risk	7,938		7,938		317		13,034		—
Commercial	4,047		4,047		79		3,500		—
Secured by 1-4 family	1,895		1,895		240		3,329		—
Consumer	62		62		9		16		—
Equipment leases	173		173		26		41		—
Total impaired loans	$	49,280	$	52,529	$	8,376	$	46,443	$	25

Average impaired loans outstanding during the years ended December 31, 2015, 2014 and 2013 totaled $102.3 million, $46.4 million and $50.8 million respectively.

Table of Contents

The table below provides an age analysis of our loans held for investment as of December 31, 2015 (in thousands):



	30-59 Days Past Due		60-89 Days Past Due		Greater Than 90 Days(1)		Total Past Due		Non-accrual		Current		Total
Commercial
Business loans	$	15,847	$	3,666	$	7,013	$	26,526	$	30,258	$	5,577,523	$	5,634,307
Energy	500		—		—		500		108,399		929,425		1,038,324
Mortgage finance loans	—		—		—		—		—		4,966,276		4,966,276
Construction
Market risk	—		—		—		—		16,668		1,824,936		1,841,604
Secured by 1-4 family	—		—		—		—		—		10,113		10,113
Real estate
Market risk	—		—		—		—		3,605		2,402,640		2,406,245
Commercial	17,729		—		—		17,729		15,353		612,711		645,793
Secured by 1-4 family	2,319		—		—		2,319		354		84,486		87,159
Consumer	659		—		—		659		—		24,664		25,323
Equipment leases	91		—		—		91		5,151		108,754		113,996
Total loans held for investment	$	37,145	$	3,666	$	7,013	$	47,824	$	179,788	$	16,541,528	$	16,769,140


(1)	Loans past due 90 days and still accruing includes premium finance loans of $6.6 million. These loans are generally secured by obligations of insurance carriers to refund premiums on cancelled insurance policies. The refund of premiums from the insurance carriers can take 180 days or longer from the cancellation date.

Restructured loans are loans on which, due to the borrower’s financial difficulties, we have granted a concession that we would not otherwise consider for borrowers of similar credit quality. This may include a transfer of real estate or other assets from the borrower, a modification of loan terms, or a combination of the two. Modifications of terms that could potentially qualify as a restructuring include reduction of contractual interest rate, extension of the maturity date at a contractual interest rate lower than the current rate for new debt with similar risk, or a reduction of the face amount of debt, or forgiveness of either principal or accrued interest. As of December 31, 2015 and December 31, 2014, we had $249,000 and $1.8 million, respectively, in loans considered restructured that are not on non-accrual. These loans did not have unfunded commitments at December 31, 2015 or 2014. Of the non-accrual loans at December 31, 2015 and 2014, $24.9 million and $12.1 million, respectively, met the criteria for restructured. These loans had no unfunded commitments at their respective balance sheet dates. A loan continues to qualify as restructured until a consistent payment history or change in borrower’s financial condition has been evidenced, generally no less than twelve months. Assuming that the restructuring agreement specifies an interest rate at the time of the restructuring that is greater than or equal to the rate that we are willing to accept for a new extension of credit with comparable risk, then the loan no longer has to be considered a restructuring if it is in compliance with modified terms in calendar years after the year of the restructure.

The following tables summarize, as of December 31, 2015 and 2014, loans that have been restructured during 2015 and 2014 (in thousands):



December 31, 2015
	Number of Contracts	Pre-Restructuring Outstanding Recorded Investment		Post-Restructuring Outstanding Recorded Investment
Commercial business loans	5	$	20,459	$	14,992
Total new restructured loans in 2015	5	$	20,459	$	14,992

Table of Contents



December 31, 2014
	Number of Contracts	Pre-Restructuring Outstanding Recorded Investment		Post-Restructuring Outstanding Recorded Investment
Real estate - commercial	1	$	1,441	$	1,441
Commercial business loans	1	95		80
Total new restructured loans in 2014	2	$	1,536	$	1,521

The restructured loans generally include terms to temporarily place the loan on interest only, extend the payment terms or reduce the interest rate. We did not forgive any principal on the above loans. The $5.5 million decrease in the post-restructuring recorded investment compared to the pre-restructuring recorded investment is due to paydowns. At December 31, 2015, $15.0 million of the above loans restructured in 2015 are on non-accrual. The restructuring of the loans did not have a significant impact on our allowance for loan losses at December 31, 2015 or 2014.

The following table provides information on how loans were modified as a restructured loan during the year ended December 31, 2015 and 2014 (in thousands):



	December 31,
	2015		2014
Extended maturity	$	—	$	1,441
Combination of maturity extension and payment schedule adjustment	14,992		80
Total	$	14,992	$	1,521

As of December 31, 2015 and 2014, we did not have any loans that were restructured within the last 12 months that subsequently defaulted.

(4) OREO and Valuation Allowance for Losses on OREO

The table below presents a summary of the activity related to OREO (in thousands):



	Year ended December 31,
	2015			2014			2013
Beginning balance	$	568		$	5,110		$	15,991
Additions	1,267			851			1,331
Sales	(1,557		)	(5,393		)	(11,292		)
Valuation allowance for OREO	—			—			958
Direct write-downs	—			—			(1,878		)
Ending balance	$	278		$	568		$	5,110

(5) Certain Transfers of Financial Assets

Through our MCA business, we commit to purchase residential mortgage loans from independent correspondent lenders and deliver those loans into the secondary market via whole loans sales to independent third parties or in securitization transactions to GSEs such as Fannie Mae, Freddie Mac or Ginnie Mae. We have elected to carry these loans at fair value based on sales commitments and market quotes. Changes in the fair value of the loans held for sale are included in other non-interest income.

Table of Contents

The table below presents the unpaid principal balance of loans held for sale and related fair values at December 31, 2015 (in thousands):



	December 31, 2015
	Unpaid Principal Balance		Fair Value		Fair Value Over/(Under) Unpaid Principal Balance
Loans held for sale	$	82,853	$	86,075	$	3,222

No loans held for sale were 90 days or more past due or considered impaired as of December 31, 2015, and no credit losses were recognized on loans held for sale for the year ended December 31, 2015.

The differences between the fair value and the aggregate unpaid principal balance include changes in fair value recorded at and subsequent to purchase, gains and losses on the related loan purchase commitment prior to purchase and premiums or discounts on acquired loans.

We generally retain the right to service the loans sold, creating MSR assets on our balance sheet. A summary of MSR activities for the year ended December 31, 2015 is as follows (in thousands):



	2015
Balance, beginning of year	$	—
Capitalized servicing rights	437
Amortization	(14		)
Balance, end of year	$	423
Fair value	$	423



	2015
Average discount rates	9.76	%
Expected prepayment speeds	9.14	%
Weighted-average life, in years	7.3

In conjunction with the sale and securitization of loans held for sale, we may be exposed to liability resulting from recourse agreements and repurchase agreements. If it is determined subsequent to our sale of a loan that the loan sold is in breach of the representations or warranties made in the applicable sale agreement, we may have an obligation to either (a) repurchase the loan for the unpaid principal balance, accrued interest and related advances, (b) indemnify the purchaser against any loss it suffers or (c) make the purchaser whole for the economic benefits of the loan. During the year ended December 31, 2015, we originated or purchased and sold approximately $39.1 million of mortgage loans to GSEs.

Table of Contents

other liabilities in the consolidated balance sheets. We had no losses due to repurchase, indemnification or make-whole obligations during the year ended December 31, 2015.

(6) Goodwill and Other Intangible Assets

In May 2013, we acquired the assets of a premium finance company and recorded a total intangible asset of $2.1 million. Of this total, $954,000 was allocated to goodwill, $554,000 to customer relationships, $457,000 to developed technology and $98,000 to trade name. The $554,000 customer relationship intangible is being amortized over 14 years, the $457,000 technology intangible is being amortized over 7 years, and the $98,000 intangible related to the trade name was determined to have an indefinite life.

Goodwill and other intangible assets at December 31, 2015 and 2014 are summarized as follows (in thousands):



	Gross Goodwill and Intangible Assets		Accumulated Amortization			Net Goodwill and Intangible Assets
December 31, 2015
Goodwill	$	15,370	$	(374	)	$	14,996
Intangible assets—customer relationships and trademarks	9,104		(4,140		)	4,964
Total goodwill and intangible assets	$	24,474	$	(4,514	)	$	19,960
December 31, 2014
Goodwill	$	15,370	$	(374	)	$	14,996
Intangible assets—customer relationships and trademarks	9,104		(3,512		)	5,592
Total goodwill and intangible assets	$	24,474	$	(3,886	)	$	20,588

Amortization expense related to intangible assets totaled $628,000 in 2015, $699,000 in 2014 and $660,000 in 2013. The estimated aggregate future amortization expense for intangible assets remaining as of December 31, 2015 is as follows (in thousands):



2016	$	471
2017	473
2018	473
2019	473
2020	435
Thereafter	2,639
	$	4,964

(7) Premises and Equipment

Premises and equipment at December 31, 2015 and 2014 are summarized as follows (in thousands):



	December 31,
	2015			2014
Premises	$	21,020		$	24,339
Furniture and equipment	26,185			22,418
	47,205			46,757
Accumulated depreciation	(23,644		)	(23,622		)
Total premises and equipment, net	$	23,561		$	23,135

Depreciation expense for the above premises and equipment was approximately $4.6 million, $4.1 million and $4.0 million in 2015, 2014 and 2013, respectively.

Table of Contents

(8) Deposits

Deposits at December 31, 2015 and 2014 were as follows (in thousands):



	2015		2014
Non-interest-bearing demand deposits	$	6,386,911	$	5,011,619
Interest-bearing deposits
Transaction	2,006,591		1,292,388
Savings	6,163,622		5,630,253
Time	527,495		426,331
Deposits in foreign branches	—		312,709
Total interest-bearing deposits	8,697,708		7,661,681
Total deposits	$	15,084,619	$	12,673,300

The scheduled maturities of interest-bearing time deposits were as follows at December 31, 2015 (in thousands):




2016	$	502,113
2017	18,138
2018	1,646
2019	4,001
2020	1,597
2021 and after	—
	$	527,495

At December 31, 2015 and 2014, the Bank had approximately $16.6 million and $23.5 million, respectively, in deposits from related parties, including directors, stockholders, and their related affiliates.

At December 31, 2015 and 2014, interest-bearing time deposits, including deposits in foreign branches, of $250,000 or more were approximately $274.4 million and $527.6 million, respectively.

(9) Borrowing Arrangements

The following table summarizes our borrowings at December 31, 2015, 2014 and 2013 (in thousands):



	2015				2014				2013
	Balance		Rate(3)		Balance		Rate(3)		Balance		Rate(3)
Federal funds purchased(4)	$	74,164	0.55	%	$	66,971	0.30	%	$	148,650	0.22	%
Customer repurchase agreements(1)	68,887		0.02	%	25,705		0.07	%	21,954		0.06	%
FHLB borrowings(2)	1,500,000		0.31	%	1,100,005		0.13	%	840,026		0.12	%
Line of credit	—		—	%	—		—	%	15,000		2.65	%
Subordinated notes	286,000		5.75	%	286,000		5.82	%	111,000		6.50	%
Trust preferred subordinated debentures	113,406		2.47	%	113,406		2.18	%	113,406		2.17	%
Total borrowings	$	2,042,457			$	1,592,087			$	1,250,036
Maximum outstanding at any month end	$	2,042,457			$	1,592,087			$	1,859,036

Table of Contents


(1)	Securities pledged for customer repurchase agreements were $14.2 million, $21.8 million and $37.7 million at December 31, 2015, 2014 and 2013, respectively.

(2)

FHLB borrowings are collateralized by a blanket floating lien on certain real estate secured loans, mortgage finance assets and also certain pledged securities. The weighted-average interest rate for the years ended December 31, 2015, 2014 and 2013 was 0.18%, 0.15% and 0.14%, respectively. The average balance of FHLB borrowings for the years ended December 31, 2015, 2014 and 2013 was $1.2 billion, $213.4 million and $370.0 million, respectively.


(3)	Interest rate as of period end.


(4)	The weighted-average interest rate on Federal funds purchased for the years ended December 31, 2015, 2014 and 2013 was 0.29%, 0.27% and 0.27%, respectively. The average balance of Federal funds purchased for the years ended December 31, 2015, 2014 and 2013 was $98.8 million, $139.3 million and $254.3 million, respectively.

The following table summarizes our other borrowing capacities net of balances outstanding at December 31, 2015, 2014 and 2013 (in thousands):



	2015		2014		2013
FHLB borrowing capacity relating to loans	$	4,101,396	$	3,602,994	$	693,302
FHLB borrowing capacity relating to securities	1,213		535		8,482
Total FHLB borrowing capacity	$	4,102,609	$	3,603,529	$	701,784
Unused Federal funds lines available from commercial banks	$	1,231,000	$	1,186,000	$	890,000
Unused Federal Reserve Borrowings capacity	$	2,966,702	$	2,643,000	$	2,284,000

Our unsecured, revolving, non-amortizing line of credit had maximum availability of $100.0 million and matured on December 22, 2015. This line of credit was renewed on December 22, 2015 with a new maximum availability of $130.0 million and a maturity date of December 21, 2016. The loan proceeds may be used for general corporate purposes including funding regulatory capital infusions into the Bank. The loan agreement contains customary financial covenants and restrictions. As of December 31, 2015 and December 31, 2014, no borrowings were outstanding and no funds were borrowed during the years ended December 31, 2015 and 2014.

The scheduled maturities of our borrowings at December 31, 2015, were as follows (in thousands):



	Within One Year		After One But Within Three Years		After Three But Within Five Years		After Five Years		Total
Federal funds purchased and customer repurchase agreements(1)	$	143,051	$	—	$	—	$	—	$	143,051
FHLB borrowings(1)	700,000		800,000		—		—		1,500,000
Subordinated notes(1)	—		—		—		286,000		286,000
Trust preferred subordinated debentures(1)	—		—		—		113,406		113,406
Total borrowings	$	843,051	$	800,000	$	—	$	399,406	$	2,042,457


(1)	Excludes interest.

(10) Long-Term Debt

From November 2002 to September 2006 various Texas Capital Statutory Trusts were created and subsequently issued floating rate trust preferred securities in various private offerings totaling $113.4 million. As of December 31, 2015, the details of the trust preferred subordinated debentures are summarized below (in thousands):



	Texas Capital Bancshares Statutory Trust I	Texas Capital Statutory Trust II	Texas Capital Statutory Trust III	Texas Capital Statutory Trust IV	Texas Capital Statutory Trust V
Date issued	November 19, 2002	April 10, 2003	October 6, 2005	April 28, 2006	September 29, 2006
Trust preferred securities issued	$10,310	$10,310	$25,774	$25,774	$41,238
Floating or fixed rate securities	Floating	Floating	Floating	Floating	Floating
Interest rate on subordinated debentures	3 month LIBOR + 3.35%	3 month LIBOR + 3.25%	3 month LIBOR + 1.51%	3 month LIBOR + 1.60%	3 month LIBOR + 1.71%
Maturity date	November 2032	April 2033	December 2035	June 2036	December 2036

Table of Contents

On September 21, 2012, we issued $111.0 million of subordinated notes. The notes mature in September 2042 and bear interest at a rate of 6.50% per annum, payable quarterly. The indenture governing the notes contains customary covenants and restrictions.

On January 31, 2014, the Bank issued $175.0 million of subordinated notes in an offering to institutional investors exempt from registration under Section 3(a)(2) of the Securities Act of 1933 and 12 C.F.R. Part 16. Net proceeds from the transaction were $172.4 million. The notes mature in January 2026 and bear interest at a rate of 5.25% per annum, payable semi-annually. The notes are unsecured and are subordinate to the Bank’s obligations to its depositors, its obligations under banker’s acceptances and letters of credit, certain obligations to Federal Reserve Banks and the FDIC and the Bank’s obligations to its other creditors, except any obligations which expressly rank on a parity with or junior to the notes. The notes qualify as Tier 2 capital for regulatory capital purposes, subject to applicable limitations.

Interest payments on all long-term debt are deductible for federal income tax purposes.

(11) Income Taxes

We have a gross deferred tax asset of $78.8 million and $65.5 million at December 31, 2015 and 2014, respectively, which relates primarily to our allowance for loan losses, loan origination fees and stock compensation. Management believes it is more likely than not that all of the deferred tax assets will be realized. Our net deferred tax asset is included in other assets in the consolidated balance sheets.

Income tax expense/(benefit) consists of the following for the years ended (in thousands):



	Year ended December 31,
	2015			2014			2013
Current:
Federal	$	80,957		$	77,855		$	76,478
State	2,245			2,124			1,878
Total	83,202			79,979			78,356
Deferred
Federal	(3,561		)	(3,969		)	(11,599		)
State	—			—			—
Total	(3,561		)	(3,969		)	(11,599		)
Total expense
Federal	77,396			73,886			64,879
State	2,245			2,124			1,878
Total	$	79,641		$	76,010		$	66,757

The tax effect of unrealized gains and losses on available-for-sale securities is recorded to other comprehensive income and is not a component of income tax expense/(benefit).

Deferred income taxes reflect the net tax effects of temporary differences between the carrying amounts of assets and liabilities for financial reporting purposes and the amounts used for income tax purposes. Significant components of deferred tax assets and liabilities are as follows (in thousands):

Table of Contents



	December 31,
	2015			2014
Deferred tax assets:
Allowance for credit losses	$	53,368		$	38,356
Loan origination fees	13,435			13,651
Stock compensation	5,509			8,263
Mark to market on mortgage loans	184			215
Reserve for potential mortgage loan repurchases	—			20
Non-accrual interest	1,198			1,272
Deferred lease expense	3,779			1,688
Depreciation	—			691
OREO valuation allowance	8			22
Other	1,299			1,298
Total deferred tax assets	78,780			65,476
Deferred tax liabilities:
Loan origination costs	(1,726		)	(1,488		)
Leases	(10,121		)	(9,466		)
Depreciation	(8,296		)	—
Unrealized gain on securities	(387		)	(694		)
Other	(2,468		)	(1,914		)
Total deferred tax liabilities	(22,998		)	(13,562		)
Net deferred tax asset	$	55,782		$	51,914

ASC 740-10, Income Taxes — Accounting for Uncertainties in Income Taxes (“ASC 740-10”) prescribes a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of cumulative benefit that is greater than fifty percent likely of being realized upon ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met. ASC 740-10 also provides guidance on the accounting for and disclosure of unrecognized tax benefits, interest and penalties.

We file income tax returns in the U.S. federal jurisdiction and several U.S. state jurisdictions. We are no longer subject to U.S. federal income tax examinations by tax authorities for years before 2012.

The reconciliation of income computed at the U.S. federal statutory tax rates to income tax expense (benefit) is as follows:



	Year ended December 31,
	2015		2014		2013
Tax at U.S. statutory rate	35	%	35	%	35	%
State taxes	1	%	1	%	1	%
Non-deductible expenses	1	%	1	%	1	%
Non-taxable income	(1	)%	(1	)%	(1	)%
Other	(1	)%	—		—
Total	35	%	36	%	36	%

Table of Contents

(12) Stock-Based Compensation and Employee Benefits

We have a qualified retirement plan, with a salary deferral feature designed to qualify under Section 401 of the Internal Revenue Code (“the 401(k) Plan”). The 401(k) Plan permits our employees to defer a portion of their compensation. Matching contributions may be made in amounts and at times determined by the Company. We contributed approximately $6.3 million, $4.5 million, and $3.7 million for the years ended December 31, 2015, 2014 and 2013, respectively. Employees are eligible to participate in the 401(k) Plan when they meet certain requirements concerning minimum age and period of credited service. All contributions to the 401(k) Plan are invested in accordance with participant elections among certain investment options.

During 2000, we implemented an Employee Stock Purchase Plan (“ESPP”). Employees are eligible for the plan when they meet certain requirements concerning period of credited service and minimum hours worked. Eligible employees may contribute a minimum of 1% to a maximum of 10% of eligible compensation up to the Section 423 of the Internal Revenue Code limit of $25,000. In 2006, stockholders approved the 2006 ESPP, which allocated 400,000 shares for purchase. As of December 31, 2015, 2014 and 2013, 113,910, 102,836 and 93,388 shares had been purchased on behalf of the employees under the 2006 ESPP.

We have stock-based compensation plans under which equity-based compensation grants are made by the board of directors, or its designated committee. Grants are subject to vesting requirements. Under the plans, we may grant, among other things, nonqualified stock options, incentive stock options, restricted stock units (“RSUs”), stock appreciation rights (“SARs”), cash-based performance units or any combination thereof. Plans include grants for employees and directors. Total shares authorized under the plans are 2,550,000. Total shares which may be issued under the plans at December 31, 2015 were 2,455,048.

The fair value of our option and SAR grants are estimated at the date of grant using the Black-Scholes option pricing model. The Black-Scholes option valuation model was developed for use in estimating the fair value of traded options which have no vesting restrictions and are fully transferable. In addition, option valuation models require the input of highly subjective assumptions including the expected stock price volatility. Because our employee stock options have characteristics significantly different from those of traded options, and because changes in the subjective input assumptions can materially affect the fair value estimate, in management’s opinion, the existing models do not necessarily provide the best single measure of the fair value of employee stock options.

The fair value of the options and SARs were estimated at the date of grant using the Black-Scholes option pricing model with the following weighted-average assumptions. No stock options or SARs were granted in 2015.



	2015	2014		2013
Risk-free rate	N/A	1.46	%	1.17	%
Market price volatility factor	N/A	0.402		0.409
Weighted-average expected life of options	N/A	5 years		5 years

Market price volatility and expected life of options is based on historical data and other factors.

Table of Contents

A summary of our stock option activity and related information for 2015, 2014 and 2013 is as follows:



	December 31, 2015					December 31, 2014					December 31, 2013
	Options			Weighted Average Exercise Price		Options			Weighted Average Exercise Price		Options			Weighted Average Exercise Price
Options outstanding at beginning of year	25,000			$	20.60	54,900			$	18.65	174,062			$	13.51
Options exercised	(21,000		)	20.05		(28,400		)	17.34		(119,162		)	11.14
Options forfeited	(4,000		)	23.50		(1,500		)	14.91		—			—
Options outstanding at year-end	—			$	—	25,000			$	20.60	54,900			$	18.65
Options vested and exercisable at year-end	—			$	—	25,000			$	20.60	54,900			$	18.65
Intrinsic value of options vested and exercisable	$	—				$	843,190				$	2,391,014
Weighted average remaining contractual life of options vested and exercisable (in years)				0.00					0.30					0.97
Intrinsic value of options exercised	$	565,000				$	1,193,070				$	4,176,787
Weighted average remaining contractual life of options currently outstanding (in years)				0.00					0.30					0.97

There was no expense related to stock option awards in 2015, 2014 and 2013.

A summary of our SAR activity and related information for 2015, 2014 and 2013 is as follows. These rights are time-vested and generally vest ratably over a period of five years.



	December 31, 2015					December 31, 2014					December 31, 2013
	SARs			Weighted Average Exercise Price		SARs			Weighted Average Exercise Price		SARs / PSARs			Weighted Average Exercise Price
SARs outstanding at beginning of year	445,009			$	24.83	537,149			$	23.68	640,220			$	20.90
SARs granted	—			—		8,000			62.02		53,500			43.73
SARs exercised	(84,465		)	20.97		(92,640		)	20.87		(134,271		)	19.21
SARs forfeited	—			—		(7,500		)	31.16		(22,300		)	18.99
SARs outstanding at year-end	360,544			$	25.73	445,009			$	24.83	537,149			$	23.68
SARs vested and exercisable at year-end	307,144			$	22.49	355,509			$	21.16	384,974			$	20.64
Weighted average remaining contractual life of SARs vested				2.36					2.89					3.46
Compensation expense	$	367,000				$	530,000				$	564,000
Weighted average fair value of SARs granted				$	—				$	23.02				$	16.26
Fair value of shares vested during the year	$	436,000				$	580,345				$	566,341
Weighted average remaining contractual life of SARs currently outstanding (in years)				3.08					3.85					4.68
Intrinsic value of SARs exercised	$	8,291,000				$	11,794,000				$	16,000,000

Table of Contents

The following table summarizes the status of and changes in our RSUs:



	Restricted Stock Units
	Number of Shares		Weighted- Average Grant- Date Fair Value
Balance, January 1, 2013	411,919		$	23.80
Granted	163,500		45.35
Vested and issued	(151,480	)	20.47
Forfeited	(20,200	)	24.96
Balance, December 31, 2013	403,739		33.72
Granted	64,050		57.84
Vested and issued	(161,249	)	26.40
Forfeited	(17,375	)	37.40
Balance, December 31, 2014	289,165		42.93
Granted	144,952		51.96
Vested and issued	(95,943	)	38.05
Forfeited	(12,200	)	43.89
Balance, December 31, 2015	325,974		$	48.42

The RSUs granted during 2015, 2014 and 2013 vest ratably over four to five years. Compensation cost for RSUs was $4.2 million, $4.1 million and $3.6 million for the years ended December 31, 2015, 2014 and 2013, respectively. The weighted average remaining contractual life of RSUs currently outstanding is 8.29 years.

Total compensation cost for all share-based arrangements, net of taxes, was $3.0 million, $3.0 million and $2.7 million for the years ended December 31, 2015, 2014 and 2013, respectively.

Unrecognized stock-based compensation expense related to SAR grants issued through December 31, 2015 was $699,000. At December 31, 2015, the weighted average period over which this unrecognized expense was expected to be recognized was 2.4 years. Unrecognized stock-based compensation expense related to RSU grants through December 31, 2015 was $13.0 million. At December 31, 2015, the weighted average period over which this unrecognized expense was expected to be recognized was 3.3 years.

Cash flows from financing activities included $1.5 million, $2.9 million and $1.2 million in cash inflows from excess tax benefits related to stock-based compensation in 2015, 2014 and 2013, respectively.

Upon the exercise of stock options, new shares are issued as opposed to treasury shares.

We granted a total of 146,153 cash-based performance units in 2015, with a total of 475,441 outstanding at December 31, 2015. We granted a total of 171,808 and 173,035 cash-based performance units in 2014 and 2013. Of the outstanding units at December 31, 2015, 385,172 are service-based and vest ratably over a period of five years. Additionally, 90,269 units contain both service and performance based vesting requirements: 25-50% of the units will vest on the third anniversary of the date of grant, and the balance will vest based on attainment of certain performance metrics developed by the Human Resources Committee. Since these units have a cash payout feature, they are accounted for under the liability method and the related expense is based on the stock price at period end. Compensation cost for the units was $7.7 million, $9.9 million and $17.3 million for the years ended December 31, 2015, 2014 and 2013 respectively. At December 31, 2015, the weighted average remaining contractual life of the units was 8.03 years.

Total compensation cost for all cash-based arrangements, net of taxes, for the years ended December 31, 2015, 2014 and 2013 was $5.0 million, $6.5 million and $11.2 million, respectively.

Table of Contents

(13) Financial Instruments with Off-Balance Sheet Risk

The Bank is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit that involve varying degrees of credit risk in excess of the amount recognized in the consolidated balance sheets. The Bank’s exposure to credit loss in the event of non-performance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual amount of these instruments. The Bank uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. The amount of collateral obtained, if deemed necessary, is based on management’s credit evaluation of the borrower.

Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s credit-worthiness on a case-by-case basis.

Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers.

At December 31, 2015 and 2014, commitments to extend credit and standby and commercial letters of credit were as follows (in thousands):



	December 31,
	2015		2014
Commitments to extend credit	$	5,542,363	$	5,324,460
Standby letters of credit	182,219		177,808

At December 31, 2015 and 2014, we had $9.0 million and $7.1 million, respectively, in allowance allocations for these off-balance sheet commitments recorded in other liabilities.

(14) Regulatory Restrictions

The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory (and possibly additional discretionary) actions by regulators that, if undertaken, could have a direct material effect on the Company’s and the Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of the Company’s and the Bank’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company’s and the Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.

Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios of CET1, Tier 1 and total capital to risk-weighted assets, and of Tier 1 capital to average assets, each as defined in the regulations. Management believes, as of December 31, 2015, that the Company and the Bank meet all capital adequacy requirements to which they are subject.

Financial institutions are categorized as well capitalized or adequately capitalized, based on minimum total risk-based, Tier 1 risk-based, CET1 and Tier 1 leverage ratios. As shown in the table below, the Company’s capital ratios exceeded the regulatory definition of adequately capitalized as of December 31, 2015 and 2014. Based upon the information in its most recently filed call report, the Bank met the capital ratios necessary to be well capitalized. The regulatory authorities can apply changes in classification of assets and such change may retroactively subject the Company to change in capital ratios. Any such change could result in reducing one or more capital ratios below well-capitalized status. In addition, a change may result in imposition of additional assessments by the FDIC or could result in regulatory actions that could have a material effect on condition and results of operations.

Table of Contents

The table below summarizes our capital ratios:



	Actual				For Capital Adequacy Purposes				To Be Well Capitalized Under Prompt Corrective Action Provisions
(Dollars in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
As of December 31, 2015:
CET1:
Company	$	1,455,662	7.47	%	$	876,563	4.50	%	N/A		N/A
Bank	1,522,729		7.82	%	876,336		4.50	%	$	1,265,819	6.50	%
Total capital (to risk-weighted assets):
Company	$	2,152,292	11.05	%	$	1,558,334	8.00	%	N/A		N/A
Bank	2,058,359		10.57	%	1,557,931		8.00	%	$	1,947,414	10.00	%
Tier 1 capital (to risk-weighted assets):
Company	$	1,716,170	8.81	%	$	1,168,751	6.00	%	N/A		N/A
Bank	1,683,237		8.64	%	1,168,448		6.00	%	$	1,557,931	8.00	%
Tier 1 capital (to average assets):
Company	$	1,716,170	8.92	%	$	769,258	4.00	%	N/A		N/A
Bank	1,683,237		8.75	%	769,498		4.00	%	$	961,873	5.00	%
As of December 31, 2014:
CET1:
Company	$	1,312,225	7.89	%	$	748,445	4.50	%	N/A		N/A
Bank	1,263,569		7.60	%	748,252		4.50	%	$	1,080,809	6.50	%
Total capital (to risk-weighted assets):
Company	$	1,967,021	11.83	%	$	1,330,568	8.00	%	N/A		N/A
Bank	1,757,365		10.57	%	1,330,226		8.00	%	$	1,662,782	10.00	%
Tier 1 capital (to risk-weighted assets):
Company	$	1,573,007	9.46	%	$	665,284	4.00	%	N/A		N/A
Bank	1,424,351		8.57	%	665,113		4.00	%	$	997,669	6.00	%
Tier 1 capital (to average assets):
Company	$	1,573,007	10.76	%	$	584,765	4.00	%	N/A		N/A
Bank	1,424,351		9.75	%	584,597		4.00	%	$	730,746	5.00	%

Our mortgage finance loan volumes can increase significantly at month-end, causing a meaningful difference between ending balance and average balance for any period. At December 31, 2015, our total mortgage finance loans were $5.0 billion compared to the average for the year ended December 31, 2015 of $4.0 billion. As CET1, Tier 1 and total capital ratios are calculated using quarter-end risk-weighted assets and our mortgage finance loans are 100% risk-weighted, the quarter-end fluctuation in these balances can significantly impact our reported ratios. Due to the actual risk profile and liquidity of this asset class, we manage capital allocated to mortgage finance loans based on changing trends in average balances and do not believe that the quarter-end balance is representative of risk characteristics that would justify higher allocations. However, we will continue to monitor our capital allocation to confirm that all capital levels remain above well-capitalized levels.

Dividends that may be paid by subsidiary banks are routinely restricted by various regulatory authorities. The amount that can be paid in any calendar year without prior approval of the Bank’s regulatory agencies cannot exceed the lesser of the net profits (as defined) for that year plus the net profits for the preceding two calendar years, or retained earnings. The Basel III Capital Rules further limit the amount of dividends that may be paid by our Bank. No dividends were declared or paid on common stock during 2015, 2014 or 2013.

The required reserve balances at the Federal Reserve at December 31, 2015 and 2014 were approximately $150,642,000 and $88,155,000, respectively.

Table of Contents

(15) Earnings Per Share

The following table presents the computation of basic and diluted earnings per share (in thousands except share data):



	Year ended December 31,
	2015		2014		2013
Numerator:
Net income	$	144,854	$	136,352	$	121,051
Preferred stock dividends	9,750		9,750		7,394
Net income available to common stockholders	$	135,104	$	126,602	$	113,657
Denominator:
Denominator for basic earnings per share—weighted average shares	45,808,440		43,236,344		40,864,225
Effect of employee stock-based awards(1)	211,168		311,423		402,593
Effect of warrants to purchase common stock	418,264		455,489		513,063
Denominator for dilutive earnings per share—adjusted weighted average shares and assumed conversions	46,437,872		44,003,256		41,779,881
Basic earnings per common share	$	2.95	$	2.93	$	2.78
Diluted earnings per common share	$	2.91	$	2.88	$	2.72


(1)	Stock options, SARs and RSUs outstanding of 64,700, 51,300 and 118,500 in 2015, 2014 and 2013, respectively, have not been included in diluted earnings per share because to do so would have been antidilutive for the periods presented. Stock options are antidilutive when the exercise price is higher than the average market price of the Company’s common stock.

(16) Fair Value Disclosures

ASC 820, Fair Value Measurements and Disclosures (“ASC 820”), defines fair value, establishes a framework for measuring fair value under GAAP and requires enhanced disclosures about fair value measurements. Fair value is defined under ASC 820 as the price that would be received for an asset or paid to transfer a liability (an exit price) in the principal market for the asset or liability in an orderly transaction between market participants on the measurement date.

We determine the fair market values of our assets and liabilities measured at fair value on a recurring and nonrecurring basis using the fair value hierarchy as prescribed in ASC 820. The standard describes three levels of inputs that may be used to measure fair value as provided below.


Level 1	Quoted prices in active markets for identical assets or liabilities.

Level 2

Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 2 assets include U.S. government and agency mortgage-backed debt securities, municipal bonds, and Community Reinvestment Act funds. This category includes loans held for sale and derivative assets and liabilities where values are obtained from independent pricing services.

Level 3

Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair values requires significant management judgment or estimation. This category also includes impaired loans and OREO where collateral values have been based on third party appraisals; however, due to current economic conditions, comparative sales data typically used in appraisals may be unavailable or more subjective due to lack of market activity.

Table of Contents

Assets and liabilities measured at fair value at December 31, 2015 and 2014 are as follows (in thousands):



	Fair Value Measurements Using
December 31, 2015	Level 1		Level 2		Level 3
Available for sale securities:(1)
Mortgage-backed securities	$	—	$	21,901	$	—
Municipals	—		831		—
Equity securities(2)	—		7,260		—
Loans held for sale(3)	—		86,075		—
Loans(4)(6)	—		—		41,420
OREO(5)(6)	—		—		278
Derivative assets(7)	—		35,292		—
Derivative liabilities(7)	—		35,420		—

December 31, 2014
Available for sale securities:(1)
Mortgage-backed securities	$	—	$	31,065	$	—
Municipals	—		3,267		—
Equity securities(2)	—		7,387		—
Loans held for sale(3)	—		—		—
Loans(4)(6)	—		—		23,536
OREO(5)(6)	—		—		568
Derivative assets(7)	—		31,176		—
Derivative liabilities(7)	—		31,176		—


(1)	Securities are measured at fair value on a recurring basis, generally monthly.


(2)	Equity securities consist of Community Reinvestment Act funds.


(3)	Loans held for sale are measured at fair value on a recurring basis, generally monthly.


(4)	Includes impaired loans that have been measured for impairment at the fair value of the loan’s collateral.


(5)	OREO is transferred from loans to OREO at fair value less selling costs.


(6)	Fair value of loans and OREO is measured on a nonrecurring basis, generally annually or more often as warranted by market and economic conditions


(7)	Derivative assets and liabilities are measured at fair value on a recurring basis, generally quarterly.

Level 3 Valuations

Financial instruments are considered Level 3 when their values are determined using pricing models, discounted cash flow methodologies or similar techniques and at least one significant model assumption or input is unobservable. Level 3 financial instruments also include those for which the determination of fair value requires significant management judgment or estimation. Currently, we measure fair value for certain loans on a nonrecurring basis as described below.

Loans held for investment

During the years ended December 31, 2015 and 2014, certain impaired loans held for investment were re-evaluated and reported at fair value through a specific valuation allowance allocation of the allowance for possible loan losses based upon the fair value of the underlying collateral. The $41.4 million total above includes impaired loans at December 31, 2015 with a carrying value of $49.7 million that were reduced by specific valuation allowance allocations totaling $8.3 million for a total reported fair value of $41.4 million based on collateral valuations utilizing Level 3 valuation inputs. The $23.5 million total above includes impaired loans at December 31, 2014 with a carrying value of $29.2 million that were reduced by specific valuation allowance allocations totaling $5.7 million for a total reported fair value of $23.5 million based on collateral valuations utilizing Level 3 valuation inputs. Fair values were based on third party appraisals.

OREO

Certain foreclosed assets, upon initial recognition, were valued based on third party appraisals. At December 31, 2015 and 2014, OREO had a carrying value of $278,000 and $568,000, respectively, with no specific valuation allowance. The fair value of OREO was computed based on third party appraisals, which are Level 3 valuation inputs.

Table of Contents

Fair Value of Financial Instruments

Generally accepted accounting principles require disclosure of fair value information about financial instruments, whether or not recognized on the balance sheet, for which it is practical to estimate that value. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. This disclosure does not and is not intended to represent the fair value of the Company.

A summary of the carrying amounts and estimated fair values of financial instruments is as follows (in thousands):



	December 31, 2015				December 31, 2014
	Carrying Amount		Estimated Fair Value		Carrying Amount		Estimated Fair Value
Cash and cash equivalents	$	1,790,870	$	1,790,870	$	1,330,514	$	1,330,514
Securities, available-for-sale	29,992		29,992		41,719		41,719
Loans held for sale	86,075		86,075		—		—
Loans held for investment, net	16,570,839		16,576,297		14,156,058		14,161,484
Derivative assets	35,292		35,292		31,176		31,176
Deposits	15,084,619		15,085,080		12,673,300		12,673,607
Federal funds purchased	74,164		74,164		66,971		66,971
Customer repurchase agreements	68,887		68,887		25,705		25,705
Other borrowings	1,500,000		1,500,000		1,100,005		1,100,005
Subordinated notes	286,000		291,091		286,000		289,947
Trust preferred subordinated debentures	113,406		113,406		113,406		113,406
Derivative liabilities	35,420		35,420		31,176		31,176

The following methods and assumptions were used by the Company in estimating its fair value disclosures for financial instruments:

Cash and cash equivalents

The carrying amounts reported in the consolidated balance sheets for cash and cash equivalents approximate their fair value, and these financial instruments are characterized as Level 1 assets in the fair value hierarchy.

Securities

The fair value of investment securities is based on prices obtained from independent pricing services which are based on quoted market prices for the same or similar securities, and these financial instruments are characterized as Level 2 assets in the fair value hierarchy. We have obtained documentation from the primary pricing service we use about their processes and controls over pricing. In addition, on a quarterly basis we independently verify the prices that we receive from the service provider using two additional independent pricing sources. Any significant differences are investigated and resolved.

Loans held for sale

Fair value for loans held for sale valued under the fair value option is derived from quoted market prices for similar loans, and these financial instruments are characterized as Level 2 assets in the fair value hierarchy.

Loans held for investment, net

Loans held for investment are characterized as Level 3 assets in the fair value hierarchy. For variable-rate loans held for investment that reprice frequently with no significant change in credit risk, fair values are generally based on carrying values. The fair value for all other loans held for investment is estimated using discounted cash flow analyses, using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality. The carrying amount of accrued interest approximates its fair value.

Derivatives

The estimated fair value of the interest rate swaps and caps is obtained from independent pricing services based on quoted market prices for the same or similar derivative contracts and these financial instruments are characterized as Level 2 assets in the fair value hierarchy. On a quarterly basis, we independently verify the fair value using an additional independent pricing source. The derivative instruments related to the loans held for sale portfolio include loan purchase commitments and forward

Table of Contents

sales commitments. Loan purchase commitments are valued based upon the fair value of the underlying mortgage loans to be purchased, which is based on observable market data. Forward sales commitments are valued based upon the quoted market prices from brokers. As such, these loan purchase commitments and forward sales commitments are classified as Level 2 assets in the fair value hierarchy.

Deposits

Deposits are characterized as Level 3 liabilities in the fair value hierarchy. The carrying amounts for variable-rate money market accounts approximate their fair value. Fixed-term certificates of deposit fair values are estimated using a discounted cash flow calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities.

Federal funds purchased, customer repurchase agreements, other borrowings, subordinated notes and trust preferred subordinated debentures

The carrying value reported in the consolidated balance sheets for Federal funds purchased, customer repurchase agreements and other short-term, floating rate borrowings approximates their fair value, and these financial instruments are characterized as Level 2 assets in the fair value hierarchy. The fair value of any fixed rate short-term borrowings and trust preferred subordinated debentures are estimated using a discounted cash flow calculation that applies interest rates currently being offered on similar borrowings, and these financial instruments are characterized as Level 3 liabilities in the fair value hierarchy. The subordinated notes are publicly, though infrequently, traded and are valued based on market prices, which are characterized as Level 2 liabilities in the fair value hierarchy.

(17) Commitments and Contingencies

We lease various premises under operating leases with various expiration dates ranging from July 2016 through February 2025. Rent expense incurred under operating leases amounted to approximately $15.3 million, $13.6 million and $10.2 million for the years ended December 31, 2015, 2014 and 2013, respectively.

Minimum future lease payments under operating leases are as follows (in thousands):




Year ending December 31,	Minimum Payments
2016	$	15,572
2017	15,667
2018	15,633
2019	15,345
2020	14,501
2021 and thereafter	39,059
	$	115,777

Table of Contents

(18) Parent Company Only

Summarized financial information for Texas Capital Bancshares, Inc. – Parent Company Only follows (in thousands):

Balance Sheet



	December 31,
	2015			2014
Assets
Cash and cash equivalents	$	53,061		$	176,324
Investment in subsidiaries	1,714,158			1,459,092
Other assets	86,359			82,783
Total assets	$	1,853,578		$	1,718,199
Liabilities and Stockholders’ Equity
Other liabilities	$	1,119		$	1,328
Subordinated notes	111,000			111,000
Trust preferred subordinated debentures	113,406			113,406
Total liabilities	225,525			225,734
Preferred stock	150,000			150,000
Common stock	459			457
Additional paid-in capital	724,698			719,890
Retained earnings	752,186			620,837
Treasury stock	(8		)	(8		)
Accumulated other comprehensive income	718			1,289
Total stockholders’ equity	1,628,053			1,492,465
Total liabilities and stockholders’ equity	$	1,853,578		$	1,718,199

Statement of Earnings



	Year ended December 31,
	2015		2014		2013
Loan income	$	3,250	$	10,850	$	10,382
Dividend income	10,400		5,275		76
Other income	76		28		72
Total income	13,726		16,153		10,530
Other non-interest income	8		—		—
Interest expense	9,867		10,038		9,863
Salaries and employee benefits	499		617		669
Legal and professional	1,640		2,237		2,605
Other non-interest expense	1,637		933		651
Total expense	13,643		13,825		13,788
Income (loss) before income taxes and equity in undistributed income of subsidiary	91		2,328		(3,258		)
Income tax expense (benefit)	33		833		(1,165		)
Income (loss) before equity in undistributed income of subsidiary	58		1,495		(2,093		)
Equity in undistributed income of subsidiary	141,041		132,980		123,144
Net income	141,099		134,475		121,051
Preferred stock dividends	9,750		9,750		7,394
Net income available to common stockholders	$	131,349	$	124,725	$	113,657

Table of Contents

Statements of Cash Flows



	Year ended December 31,
	2015			2014			2013
	(in thousands)
Operating Activities
Net income	$	141,099		$	134,475		$	121,051
Adjustments to reconcile net income to net cash used in operating activities:
Equity in undistributed income of subsidiary	(141,041		)	(132,980		)	(123,144		)
Increase in other assets	(2,123		)	(2,120		)	(2,413		)
Excess tax benefits from stock-based compensation arrangements	(1,499		)	(2,929		)	(1,200		)
Increase in other liabilities	(209		)	74			37
Net cash used in operating activities of continuing operations	(3,773		)	(3,480		)	(5,669		)
Investing Activities
Investments in and advances to subsidiaries	(110,000		)	(100,000		)	(240,000		)
Net cash used in investing activities	(110,000		)	(100,000		)	(240,000		)
Financing Activities
Proceeds from sale of stock related to stock-based awards	(1,239		)	(2,203		)	(2,210		)
Proceeds from sale of common stock	—			256,223			—
Proceeds from issuance of preferred stock	—			—			144,987
Preferred dividends paid	(9,750		)	(9,750		)	(6,960		)
Issuance of subordinated notes	—			—			—
Net other borrowings	—			(15,000		)	15,000
Excess tax benefits from stock-based compensation arrangements	1,499			2,929			1,200
Net cash provided by financing activities	(9,490		)	232,199			152,017
Net increase (decrease) in cash and cash equivalents	(123,263		)	128,719			(93,652		)
Cash and cash equivalents at beginning of year	176,324			47,605			141,257
Cash and cash equivalents at end of year	$	53,061		$	176,324		$	47,605

(19) Related Party Transactions

See Note 8 for a description of deposits from related parties.

(20) Derivative Financial Instruments

During 2015 and 2014, we entered into certain interest rate derivative positions that were not designated as hedging instruments. These derivative positions relate to transactions in which we enter into an interest rate swap, cap and/or floor with a customer while at the same time entering into an offsetting interest rate swap, cap and/or floor with another financial institution. In connection with each swap transaction, we agree to pay interest to the customer on a notional amount at a variable interest rate and receive interest from the customer on a similar notional amount at a fixed interest rate. At the same time, we agree to pay another financial institution the same fixed interest rate on the same notional amount and receive the same variable interest rate on the same notional amount. The transaction allows our customer to effectively convert a variable rate loan to a fixed rate. Because we act as an intermediary for our customer, changes in the fair value of the underlying derivative contracts substantially offset each other and do not have a material impact on our results of operations.

During 2015, we also entered into loan purchase commitment contracts with mortgage originators to purchase residential mortgage loans at a future date, as well as forward sales commitment contracts to sell residential mortgage loans at a future date.

Table of Contents

The notional amounts and estimated fair values of interest rate derivative positions outstanding at December 31, 2015 and 2014 presented in the following table (in thousands):



	December 31, 2015						December 31, 2014
			Estimated Fair Value						Estimated Fair Value
	Notional Amount		Asset Derivative		Liability Derivative		Notional Amount		Asset Derivative			Liability Derivative
Non-hedging interest rate derivatives:
Financial institution counterparties:
Commercial loan/lease interest rate swaps	$	976,389	$	—	$	33,851	$	866,432	$	361		$	30,162
Commercial loan/lease interest rate caps	194,304		1,441		—		63,414		1,014			—
Customer counterparties:
Commercial loan/lease interest rate swaps	976,389		33,851		—		866,432		30,162			361
Commercial loan/lease interest rate caps	194,304		—		1,441		63,414		—			1,014
Economic hedging interest rate derivatives:
Loan purchase commitments	62,835		—		109		—		—			—
Forward sale commitments	143,200		—		19		—		—			—
Gross derivatives			35,292		35,420				31,537			31,537
Offsetting derivative assets/liabilities			—		—				(361		)	(361		)
Net derivatives included in the consolidated balance sheets			$	35,292	$	35,420			$	31,176		$	31,176

The weighted-average receive and pay interest rates for interest rate swaps outstanding at December 31, 2015 and 2014 were as follows:



	December 31, 2015 Weighted-Average Interest Rate				December 31, 2014 Weighted-Average Interest Rate
	Received		Paid		Received		Paid
Non-hedging interest rate swaps	2.96	%	4.72	%	2.79	%	4.82	%

The weighted-average strike rate for outstanding interest rate caps was 2.34% at December 31, 2015 and 1.44% at December 31, 2014.

Our credit exposure on interest rate swaps and caps is limited to the net favorable value and interest payments of all swaps and caps by each counterparty. In such cases collateral may be required from the counterparties involved if the net value of the swaps and caps exceeds a nominal amount considered to be immaterial. Our credit exposure, net of any collateral pledged, relating to interest rate swaps and caps was approximately $35.3 million at December 31, 2015 and approximately $31.2 million at December 31, 2014, all of which relates to Bank customers. Collateral levels are monitored and adjusted on a regular basis for changes in interest rate swap and cap values. At December 31, 2015 and 2014, we had $37.1 million and $30.2 million in cash collateral pledged for these derivatives included in interest-bearing deposits.

(21) Stockholders’ Equity

In January 2009, we issued $75 million of perpetual preferred stock and related warrants under the U.S. Department of Treasury’s voluntary Capital Purchase Program. The preferred stock was repurchased in May 2009 and the U.S. Treasury auctioned the related warrants in the first quarter of 2010. As of December 31, 2015, warrants to purchase 581,500 shares at $14.84 per share are still outstanding.

On March 28, 2013, we completed a sale of 6.0 million shares of 6.5% non-cumulative preferred stock, par value $0.01, with a liquidation preference of $25 per share, in a public offering. Dividends on the preferred stock are not cumulative and will be paid when declared by our board of directors to the extent that we have lawfully available funds to pay dividends. If declared, dividends will accrue and be payable quarterly, in arrears, on the liquidation preference amount, on a non-cumulative basis, at a rate of 6.50% per annum. We paid $9.8 million in dividends on the preferred stock for the years ended December 31, 2015 and 2014. Holders of preferred stock do not have voting rights, except with respect to authorizing or increasing the authorized amount of senior stock, certain changes in the terms of the preferred stock, certain dividend non-payments and as otherwise required by applicable law. Net proceeds from the sale totaled $145.0 million. The additional equity was used for general corporate purposes, including funding regulatory capital infusions into the Bank.

Table of Contents

In January 2014, we completed an offering of 1.9 million shares of our common stock. Net proceeds from the sale totaled $106.5 million. The net proceeds of the offering were available to the Company for general corporate purposes, including retirement of $15.0 million of short-term debt that was outstanding at December 31, 2013, and additional capital to support continued loan growth.

On November 12, 2014, we completed a sale of 2.5 million of our common stock in a public offering. Net proceeds from the sale totaled $149.6 million. The additional equity will be used for general corporate purposes and additional capital to support continued loan growth.

(22) Quarterly Financial Data (unaudited)

The tables below summarize our quarterly financial information for the years December 31, 2015 and 2014 (in thousands except per share and average share data):



	2015 Selected Quarterly Financial Data
	Fourth		Third		Second		First
Interest income	$	154,820	$	153,856	$	153,374	$	140,908
Interest expense	12,632		11,808		11,089		10,899
Net interest income	142,188		142,048		142,285		130,009
Provision for credit losses	14,000		13,750		14,500		11,000
Net interest income after provision for credit losses	128,188		128,298		127,785		119,009
Non-interest income	11,320		11,380		12,771		12,267
Non-interest expense	87,042		81,688		81,276		76,517
Income before income taxes	52,466		57,990		59,280		54,759
Income tax expense	17,713		20,876		21,343		19,709
Net income	34,753		37,114		37,937		35,050
Preferred stock dividends	2,437		2,438		2,437		2,438
Net income available to common stockholders	$	32,316	$	34,676	$	35,500	$	32,612
Basic earnings per share:	$	0.70	$	0.76	$	0.78	$	0.71
Diluted earnings per share:	$	0.70	$	0.75	$	0.76	$	0.70
Average shares
Basic	45,856,000		45,828,000		45,790,000		45,759,000
Diluted	46,480,000		46,471,000		46,443,000		46,368,000

Table of Contents



	2014 Selected Quarterly Financial Data
	Fourth		Third		Second		First
Interest income	$	137,833	$	135,290	$	124,813	$	116,611
Interest expense	10,251		9,629		9,406		8,296
Net interest income	127,582		125,661		115,407		108,315
Provision for credit losses	6,500		6,500		4,000		5,000
Net interest income after provision for credit losses	121,082		119,161		111,407		103,315
Non-interest income	11,226		10,396		10,533		10,356
Non-interest expense	74,117		71,915		69,765		69,317
Income before income taxes	58,191		57,642		52,175		44,354
Income tax expense	20,357		20,810		18,754		16,089
Net income	37,834		36,832		33,421		28,265
Preferred stock dividends	2,437		2,438		2,437		2,438
Net income available to common stockholders	$	35,397	$	34,394	$	30,984	$	25,827
Basic earnings per share:	$	0.80	$	0.80	$	0.72	$	0.61
Diluted earnings per share:	$	0.78	$	0.78	$	0.71	$	0.60
Average shares
Basic	44,406,000		43,144,000		43,075,000		42,298,000
Diluted	45,093,000		43,850,000		43,845,000		43,220,000

(23) New Accounting Standards

ASU 2014-04 “Receivables (Topic 310) - Troubled Debt Restructurings by Creditors” (“ASU 2014-04”) amends Topic 310 “Receivables” to clarify the terms defining when an in substance repossession or foreclosure occurs, which determines when the receivable should be derecognized and the real estate property is recognized. ASU 2014-04 became effective for us on January 1, 2015 and did not have a significant impact on our financial statements.

ASU 2014-11 "Transfers and Servicing (Topic 860) - Repurchase-to-Maturity Transactions, Repurchase Financings and Disclosures ("ASU 2014-11") requires that repurchase-to-maturity transactions be accounted for as secured borrowings consistent with the accounting for other repurchase agreements. The amendments to ASU 2014-11 update the accounting for repurchase-to-maturity transactions and link repurchase financings to secured borrowing accounting, which is consistent with the accounting for other repurchase agreements. ASU 2014-11 also requires two new disclosures. The first disclosure requires an entity to disclose information on transfers accounted for as sales that are economically similar to repurchase agreements. The second disclosure provides added transparency about the types of collateral pledged in repurchase agreements and similar transactions accounted for as secured borrowings. ASU 2014-11 became effective for us on January 1, 2015 and did not have a significant impact on our financial statements.

ASU 2014-12 "Compensation - Stock Compensation (Topic 718) - Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period" ("ASU 2014-12") requires that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition. ASU 2014-12 is intended to resolve the diverse accounting treatments of these types of awards in practice and is effective for annual and interim periods beginning after December 15, 2015 and is not expected to have a significant impact on our consolidated financial statements.

ASU 2015-01 "Income Statement - Extraordinary and Unusual Items (Subtopic 225-20) - Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items" ("ASU 2015-01") eliminates from U.S. GAAP the concept of extraordinary items, which required separate classification, presentation and disclosure in the income statement. ASU 2015-01 is effective for annual and interim periods beginning after December 15, 2015 and is not expected to have a significant impact on our consolidated financial statements.

ASU 2015-03 "Interest - Imputation of Interest (Subtopic 835-30) - Simplifying the Presentation of Debt Issuance Costs" ("ASU 2015-03") requires that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in ASU 2015-03. ASU 2015-03 is effective for annual and interim periods beginning after December 15, 2015 and is not expected to have a significant impact on our consolidated financial statements.

Table of Contents

ASU 2015-05 "Intangibles - Goodwill and Other - Internal-Use Software (Subtopic 350-40) - Customer's Accounting for Fees Paid in a Cloud Computing Arrangement" ("ASU 2015-05") provides guidance to customers about whether a cloud computing arrangement includes a software license. If the arrangement includes a software license, then the customer should account for the software license element of the arrangement consistent with the acquisition of other software licenses. If the arrangement does not include a software license, the customer should account for the arrangement as a service contract. ASU 2015-05 is effective for annual and interim periods beginning after December 15, 2015 and is not expected to have a significant impact on our consolidated financial statements.

ASU 2015-15 "Interest - Imputation of Interest (Subtopic 835-30) - Presentation and Subsequent Measurement of Debt Issuance Costs Associated with Line-of-Credit Arrangements - Amendments to SEC Paragraphs Pursuant to Staff Announcement at June 18, 2015 EITF Meeting ("ASU 2015-15") adds SEC paragraphs confirming that, given the absence of authoritative guidance within ASU 2015-03 for debt issuance costs related to line-of-credit arrangements, the SEC staff would not object to an entity deferring and presenting debt issuance costs as an asset and subsequently amortizing the deferred debt issuance costs ratably over the term of the line-of-credit arrangement, regardless of whether there are any outstanding borrowings on the line-of-credit arrangement. ASU 2015-15 was effective when issued and is not expected to have a significant impact on our consolidated financial statements.

ASU 2014-09 "Revenue from Contracts with Customers (Topic 606)" ("ASU 2014-09") implements a common revenue standard that clarifies the principles for recognizing revenue. The core principle of ASU 2014-09 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. ASU 2014-09 establishes a five-step model which entities must follow to recognize revenue and removes inconsistencies and weaknesses in existing guidance. ASU 2014-09 was originally going to be effective for annual and interim periods beginning after December 15, 2016; however, the FASB issued ASU 2015-14 - "Revenue from Contracts with Customers (Topic 606) - Deferral of the Effective Date" which deferred the effective date of ASU 2014-09 by one year to annual and interim periods beginning after December 15, 2017. ASU 2014-09 is not expected to have a significant impact on our consolidated financial statements.

Table of Contents


ITEM 9.	CHANGES IN AND DISAGREEMENTS WITH ACCOUNTANTS ON ACCOUNTING AND FINANCIAL DISCLOSURE

None.


ITEM 9A.	CONTROLS AND PROCEDURES

Evaluation of Disclosure Controls and Procedures

Our management, with the supervision and participation of our Chief Executive Officer and Chief Financial Officer, has evaluated the effectiveness of the design and operation of our disclosure controls and procedures (as defined in Rules 13a-15(e) and 15d-15(e) under the Exchange Act of 1934, as amended) as of the end of the period covered by this report. Based upon that evaluation, we have concluded that, as of the end of such period, our disclosure controls and procedures were effective in recording, processing, summarizing and reporting, on a timely basis, information required to be disclosed by us in the reports that we file or submit under the Exchange Act and were effective in ensuring that information required to be disclosed by us in the reports that we file or submit under the Exchange Act is accumulated and communicated to the Company's management, including our Chief Executive Officer and Chief Financial Officer, as appropriate to allow timely decisions regarding required disclosure.

Changes in Internal Control over Financial Reporting

There were no changes in our internal control over financial reporting (as defined in Rules 13a-15(e) and 15d-15(f) under the Exchange Act) during the period covered by this report that have materially affected, or are reasonably likely to materially affect, our internal control over financial reporting.

Management’s Report on Internal Control over Financial Reporting

The management of the Company is responsible for establishing and maintaining adequate internal control over financial reporting. Our internal control over financial reporting is a process designed under the supervision of our Chief Executive Officer and Chief Financial Officer to provide reasonable assurance regarding the reliability of financial reporting and the preparation of our financial statements for external purposes in accordance with generally accepted accounting principles.

As of December 31, 2015, management assessed the effectiveness of the Company’s internal control over financial reporting based on the criteria for effective internal control over financial reporting established in “Internal Control—Integrated Framework (2013),” issued by the Committee of Sponsoring Organizations (COSO) of the Treadway Commission. Based on the assessment, management determined that the Company maintained effective internal control over financial reporting as of December 31, 2015.

Ernst & Young LLP, the independent registered public accounting firm that audited the consolidated financial statements of the Company included in this Annual Report on Form 10-K, has issued an attestation report on the effectiveness of the Company’s internal control over financial reporting as of December 31, 2015. The report, which expresses an unqualified opinion on the effectiveness of the Company’s internal control over financial reporting as of December 31, 2015, is included in this Item under the heading “Report of Independent Registered Public Accounting Firm.”

Table of Contents

Report of Independent Registered Public Accounting Firm

The Board of Directors and Shareholders of

Texas Capital Bancshares, Inc.

We have audited Texas Capital Bancshares, Inc.’s internal control over financial reporting as of December 31, 2015, based on criteria established in Internal Control-Integrated Framework issued by the Committee of Sponsoring Organizations of the Treadway Commission (2013 framework) (the COSO criteria). Texas Capital Bancshares Inc.’s management is responsible for maintaining effective internal control over financial reporting, and for its assessment of the effectiveness of internal control over financial reporting included in the accompanying Management’s Report on Internal Control over Financial Reporting. Our responsibility is to express an opinion on the company’s internal control over financial reporting based on our audit.

We conducted our audit in accordance with the standards of the Public Company Accounting Oversight Board (United States). Those standards require that we plan and perform the audit to obtain reasonable assurance about whether effective internal control over financial reporting was maintained in all material respects. Our audit included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, testing and evaluating the design and operating effectiveness of internal control based on the assessed risk, and performing such other procedures as we considered necessary in the circumstances. We believe that our audit provides a reasonable basis for our opinion.

A company’s internal control over financial reporting is a process designed 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. A company’s internal control over financial reporting includes those policies and procedures that (1) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactions and dispositions of the assets of the company; (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with generally accepted accounting principles, and that receipts and expenditures of the company are being made only in accordance with authorizations of management and directors of the company; and (3) provide reasonable assurance regarding prevention or timely detection of unauthorized acquisition, use, or disposition of the company’s assets that could have a material effect on the financial statements.

Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with the policies or procedures may deteriorate.

In our opinion, Texas Capital Bancshares Inc. maintained, in all material respects, effective internal control over financial reporting as of December 31, 2015, based on the COSO criteria.

We also have audited, in accordance with the standards of the Public Company Accounting Oversight Board (United States), the consolidated balance sheets of Texas Capital Bancshares, Inc. as of December 31, 2015 and 2014, and the related consolidated statements of income and other comprehensive income, stockholders' equity, and cash flows for each of the three years in the period ended December 31, 2015 and our report dated February 18, 2016 expressed an unqualified opinion thereon.

Dallas, Texas

February 18, 2016

Table of Contents


ITEM 9B.	OTHER INFORMATION

None.


ITEM 10.	DIRECTORS, EXECUTIVE OFFICERS AND CORPORATE GOVERNANCE

Information required by this item is set forth in our definitive proxy materials regarding our annual meeting of stockholders to be held May 17, 2016, which proxy materials will be filed with the SEC no later than April 7, 2016.


ITEM 11.	EXECUTIVE COMPENSATION


ITEM 12.	SECURITY OWNERSHIP OF CERTAIN BENEFICIAL OWNERS AND MANAGEMENT AND RELATED STOCKHOLDER MATTERS


ITEM 13.	CERTAIN RELATIONSHIPS AND RELATED TRANSACTIONS, AND DIRECTOR INDEPENDENCE


ITEM 14.	PRINCIPAL ACCOUNTING FEES AND SERVICES


ITEM 15.	EXHIBITS, FINANCIAL STATEMENT SCHEDULES

(a) Documents filed as part of this report

(1) All financial statements

Independent Registered Public Accounting Firm’s Report of Ernst & Young LLP

(2) All financial statements required by Item 8

Independent Registered Public Accounting Firm’s Report of Ernst & Young LLP

Table of Contents

(3) Exhibits



3.1	Certificate of Incorporation, which is incorporated by reference to Exhibit 3.1 to our registration statement on Form 10 dated August 24, 2000
3.2	Certificate of Amendment of Certificate of Incorporation, which is incorporated by reference to Exhibit 3.2 to our registration statement on Form 10 dated August 24, 2000
3.3	Certificate of Amendment of Certificate of Incorporation, which is incorporated by reference to Exhibit 3.3 to our registration statement on Form 10 dated August 24, 2000
3.4	Certificate of Amendment of Certificate of Incorporation, which is incorporated by reference to Exhibit 3.4 to our registration statement on Form 10 dated August 24, 2000
3.5	Amended and Restated Bylaws of Texas Capital Bancshares, Inc. which is incorporated by reference to Exhibit 3.5 to our registration statement on Form 10 dated August 24, 2000
3.6	First Amendment to Amended and Restated Bylaws of Texas Capital Bancshares, Inc. which is incorporated by reference to Current Report on Form 8-K dated July 18, 2007
3.7	Certificate of Designation of 6.50% Non-Cumulative Perpetual Preferred Stock, Series A, which is incorporated by reference to Exhibit 4.1 to our Current Report on form 8-K dated March 28, 2013
3.8	Form of Preferred Stock Certificate for 6.50% Non-Cumulative Perpetual Preferred Stock, Series A, which is incorporated by reference to Exhibit 4.2 to our Current report on Form 8-K dated March 28, 2013
4.1	Placement Agreement by and between Texas Capital Bancshares Statutory Trust I and SunTrust Capital Markets, Inc., which is incorporated by reference to our Current Report on Form 8-K dated December 4, 2002
4.2	Certificate of Trust of Texas Capital Bancshares Statutory Trust I, dated November 12, 2002 which is incorporated by reference to our Current Report on Form 8-K dated December 4, 2002
4.3	Amended and Restated Declaration of Trust by and among State Street Bank and Trust Company of Connecticut, National Association, Texas Capital Bancshares, Inc. and Joseph M. Grant, Raleigh Hortenstine III and Gregory B. Hultgren, dated November 19, 2002 which is incorporated by reference to our Current Report on Form 8- K dated December 4, 2002
4.4	Indenture dated November 19, 2002 which is incorporated by reference to our Current Report on Form 8-K dated December 4, 2002
4.5	Guarantee Agreement between Texas Capital Bancshares, Inc. and State Street Bank and Trust of Connecticut, National Association dated November 19, 2002, which is incorporated by reference to our Current Report on Form 8-K dated December 4, 2002
4.6	Placement Agreement by and among Texas Capital Bancshares, Inc., Texas Capital Statutory Trust II and Sandler O’Neill & Partners, L.P., which is incorporated by reference to our Current Report Form 8-K dated June 11, 2003
4.7	Certificate of Trust of Texas Capital Statutory Trust II, which is incorporated by reference to our Current Report on Form 8-K dated June 11, 2003
4.8	Amended and Restated Declaration of Trust by and among Wilmington Trust Company, Texas Capital Bancshares, Inc., and Joseph M. Grant and Gregory B. Hultgren, dated April 10, 2003, which is incorporated by reference to our Current Report on Form 8-K dated June 11, 2003
4.9	Indenture between Texas Capital Bancshares, Inc. and Wilmington Trust Company, dated April 10, 2003, which is incorporated by reference to our Current Report on Form 8-K dated June 11, 2003
4.10	Guarantee Agreement between Texas Capital Bancshares, Inc. and Wilmington Trust Company, dated April 10, 2003, which is incorporated by reference to our Current Report on Form 8-K dated June 11, 2003

100

Table of Contents



4.11	Amended and Restated Declaration of Trust for Texas Capital Statutory Trust III by and among Wilmington Trust Company, as Institutional Trustee and Delaware Trustee, Texas Capital Bancshares, Inc. as Sponsor, and the Administrators named therein, dated as of October 6, 2005, which is incorporated by reference to our Current Report on Form 8-K dated October 13, 2005
4.12	Indenture between Texas Capital Bancshares, Inc., as Issuer, and Wilmington Trust Company, as Trustee, for Fixed/Floating Rate Junior Subordinated Deferrable Interest Debentures, dated as of October 6, 2005, which is incorporated by reference to our Current Report on Form 8-K dated October 13, 2005
4.13	Guarantee Agreement between Texas Capital Bancshares, Inc. and Wilmington Trust Company, dated as of October 6, 2005, which is incorporated by reference to our Current Report on Form 8-K dated October 13, 2005
4.14	Amended and Restated Declaration of Trust for Texas Capital Statutory Trust IV by and among Wilmington Trust Company, as Institutional Trustee and Delaware Trustee, Texas Capital Bancshares, Inc. as Sponsor, and the Administrators named therein, dated as of April 28, 2006, which is incorporated by reference to our Current Report on Form 8-K dated May 3, 2006
4.15	Indenture between Texas Capital Bancshares, Inc., as Issuer, and Wilmington Trust Company, as Trustee, for Floating Rate Junior Subordinated Deferrable Interest Debentures dated as of April 28, 2006, which is incorporated by reference to our Current Report on Form 8-K dated May 3, 2006
4.16	Guarantee Agreement between Texas Capital Bancshares, Inc. and Wilmington Trust Company, dated as of April 28, 2006, which is incorporated by reference to our Current Report on Form 8-K dated May 3, 2006
4.17	Amended and Restated Trust Agreement for Texas Capital Statutory Trust V by and among Wilmington Trust Company, as Property Trustee and Delaware Trustee, Texas Capital Bancshares, Inc., as Depositor, and the Administrative Trustees named therein, dated as of September 29, 2006, which is incorporated by reference to our Current Report on Form 8-K dated October 5, 2006
4.18	Junior Subordinated Indenture between Texas Capital Bancshares, Inc. and Wilmington Trust Company, as Trustee, for Floating Rate Junior Subordinated Note dated as of September 29, 2006, which is incorporated by reference to our Current Report on Form 8-K dated October 5, 2006
4.19	Guarantee Agreement between Texas Capital Bancshares, Inc. and Wilmington Trust Company, dated as of September 29, 2006, which is incorporated by reference to our Current Report on Form 8-K dated October 5, 2006
4.20	Subordinated Indenture between Texas Capital Bancshares, Inc. and U.S. Bank National Association, as Trustee, dated September 21, 2012, which is incorporated by reference to our Current Report on Form 8-K dated September 18, 2012
4.21	Issuing and Paying Agency Agreement, dated January 31, 2014, between Texas Capital Bank, N.A., as Issuer, and U.S. Bank National Association, as Agent, which is incorporated by reference to our Current Report on Form 8-K dated January 31, 2014.
4.22	Form of Global 5.25% Subordinated Note due 2026, which is incorporated by reference to our Current Report on Form 8-K dated January 31, 2014.
10.1	Deferred Compensation Agreement, which is incorporated by reference to Exhibit 10.2 to our registration statement on Form 10 dated August 24, 2000+
10.2	Amended and Restated Deferred Compensation Agreement Irrevocable Trust dated as of November 2, 2004, by and between Texas Capital Bancshares, Inc. and Texas Capital Bank, National Association, which is incorporated by reference to our Annual Report on Form 10-K dated March 14, 2005.+

101

Table of Contents




10.3	Retirement Transition Agreement and Release dated June 10, 2013, between Texas Capital Bancshares, Inc. and George F. Jones, Jr., which is incorporated by reference to Exhibit 99.2 to our Current Report on Form 8-K dated June 11, 2013+
10.4	Amendment to Performance Award Agreements under the Texas Capital Bancshares, Inc. 2010 Long-Term Incentive Plan between George Jones and the Company with respect to the Performance Units described therein dated January 10, 2011, February 21, 2012 and March 2013 and the Stock Appreciation Rights Agreement between George Jones and the Company dated April 24, 2006, which is incorporated by reference to Exhibit 10.1 to our Current Report on Form 8-K dated January 3, 2014+
10.5	Restricted Stock Unit Award Agreement under the Texas Capital Bancshares, Inc. 2010 Long-Term Incentive Plan between George Jones and the Company (2017 vesting), which is incorporated by reference to Exhibit 10.2 to our Current Report on Form 8-K dated January 3, 2014+
10.6	Restricted Stock Unit Award Agreement under the Texas Capital Bancshares, Inc. 2010 Long-Term Incentive Plan between George Jones and the Company (2018 vesting), which is incorporated by reference to Exhibit 10.3 to our Current Report on Form 8-K dated January 3, 2014+
10.7	Amended and Restated Executive Employment Agreement between C. Keith Cargill and Texas Capital Bancshares, Inc. dated December 18, 2014, which is incorporated by reference to Exhibit 10.1 to our Current Report on Form 8-K dated December 18, 2014+
10.8	Form of Amended and Restated Executive Employment Agreement for executive officers of Texas Capital Bancshares, Inc., which is incorporated by reference to Exhibit 10.2 to our Current Report on Form 8-K dated December 18, 2014+
10.9	Form of Indemnity Agreement for directors and officers of Texas Capital Bancshares, Inc., which is incorporated by reference to Exhibit 10.14 to our Annual Report on Form 10-K dated February 21, 2014+
10.10	Texas Capital Bancshares, Inc. 1999 Omnibus Stock Plan, which is incorporated by reference to Exhibit 4.1 to our registration statement on Form 10 dated August 24, 2000+
10.11	Texas Capital Bancshares, Inc. 2005 Long-Term Incentive Plan, which is incorporated by reference to our registration statement on Form S-8 dated June 3, 2005+
10.12	Texas Capital Bancshares, Inc. 2006 Employee Stock Purchase Plan, which is incorporated by reference to our registration statement on Form S-8 dated February 3, 2006+
10.13	Texas Capital Bancshares, Inc. 2010 Long-Term Incentive Plan, which is incorporated by reference to our registration statement on Form S-8 dated May 19, 2010+
10.14	Texas Capital Bancshares, Inc. 2015 Long-Term Incentive Plan, which is incorporated by reference to Exhibit 10.1 to our Current Report on Form 8-K dated May 21, 2015+
10.15	Form of Restricted Stock Unit Award Agreement under the Texas Capital Bancshares, Inc. 2010 Long-Term Incentive Plan, which is incorporated by reference to Exhibit 10.19 to our Annual Report on Form 10-K dated February 21, 2014+
10.16	Form of Stock Appreciation Rights Agreement under the Texas Capital Bancshares, Inc. 2010 Long-Term Incentive Plan, which is incorporated by reference to Exhibit 10.20 to our Annual Report on Form 10-K dated February 21, 2014+
10.17	Form of Performance Award Agreement under the Texas Capital Bancshares, Inc. 2010 Long-Term Incentive Plan, which is incorporated by reference to Exhibit 10.21 to our Annual Report on Form 10-K dated February 21, 2014+
10.18	Form of Restricted Stock Unit Award Agreement for directors under the Texas Capital Bancshares, Inc. 2015 Long-Term Incentive Plan, which is incorporated by reference to Exhibit 10.2 to our Quarterly Report on Form 10-Q dated July 23, 2015+
10.19	Form of Restricted Stock Unit Award Agreement for executive officers under the Texas Capital Bancshares, Inc. 2015 Long-Term Incentive Plan, which is incorporated by reference to Exhibit 10.3 to our Quarterly Report on Form 10-Q dated July 23, 2015+

102

Table of Contents



21	Subsidiaries of the Registrant*
23.1	Consent of Ernst & Young LLP*
31.1	Certification of Chief Executive Officer pursuant to Rule 13a-14(a) of the Exchange Act*
31.2	Certification of Chief Financial Officer pursuant to Rule 13a-14(a) of the Exchange Act*
32.1	Section 1350 Certification of Chief Executive Officer**
32.2	Section 1350 Certification of Chief Financial Officer**
101.INS	XBRL Instance Document*
101.SCH	XBRL Taxonomy Extension Schema Document*
101.CAL	XBRL Taxonomy Extension Calculation Linkbase Document*
101.DEF	XBRL Taxonomy Extension Definition Linkbase Document*
101.LAB	XBRL Taxonomy Extension Label Linkbase Document*
101.PRE	XBRL Taxonomy Extension Presentation Linkbase Document*


*	Filed herewith


**	Furnished herewith


+	Management contract or compensatory plan arrangement

103

Table of Contents

SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.



Date:	February 18, 2016	TEXAS CAPITAL BANCSHARES, INC.

		By:	/S/ C. KEITH CARGILL
			C. Keith Cargill President and Chief Executive Officer

Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated.



Date:	February 18, 2016	/S/ LARRY L. HELM
		Larry L. Helm Chairman of the Board and Director

Date:	February 18, 2016	/S/ PETER BARTHOLOW
		Peter Bartholow Chief Financial Officer, and Director (principal financial officer)

Date:	February 18, 2016	/S/ JULIE ANDERSON
		Julie Anderson Controller and Chief Accounting Officer (principal accounting officer)

Date:	February 18, 2016	/S/ JAMES H. BROWNING
		James H. Browning Director

Date:	February 18, 2016	/S/ PRESTON M. GEREN III
		Preston M. Geren III Director

Date:	February 18, 2016	/S/ FREDERICK B. HEGI, JR.
		Frederick B. Hegi, Jr. Director

Date:	February 18, 2016	/S/ CHARLES S. HYLE
		Charles S. Hyle Director

104

Table of Contents



Date:	February 18, 2016	/S/ WALTER W. MCALLISTER III
		Walter W. McAllister III Director

Date:	February 18, 2016	/S/ ELYSIA H. RAGUSA
		Elysia H. Ragusa Director

Date:	February 18, 2016	/S/ STEVEN P. ROSENBERG
		Steven P. Rosenberg Director

Date:	February 18, 2016	/S/ ROBERT W. STALLINGS
		Robert W. Stallings Director

Date:	February 18, 2016	/S/ DALE W. TREMBLAY
		Dale W. Tremblay Director

Date:	February 18, 2016	/S/ IAN J. TURPIN
		Ian J. Turpin Director

105

EX-23.1 2 ex231-consentx2015.htm EXHIBIT 23.1 CONSENT Exhibit

EXHIBIT 23.1

Consent of Independent Registered Public Accounting Firm

We consent to the incorporation by reference in the following Registration Statements:


(1)	Registration Statement (Form S-8 No. 333-131503) pertaining to the 2005 Long-Term Incentive Plan and 2006 Employee Stock Purchase Plan of Texas Capital Bancshares, Inc.;


(2)	Registration Statement (Form S-8 No. 333-109482) pertaining to the 1999 Omnibus Stock Plan of Texas Capital Bancshares, Inc.;


(3)	Registration Statement (Form S-8 No. 333-166954) pertaining to the 2010 Long-Term Incentive Plan of Texas Capital Bancshares, Inc.; and


(4)	Registration Statement (Form S-3 No. 333-196339) pertaining to the registration of senior debt securities, subordinated debt securities, convertible debt securities, common stock, preferred stock, warrants, depositary shares, stock purchase contracts and stock purchase units.


(5)	Registration Statement (Form S-8 No. 333-204357) pertaining to the 2015 Long-Term Incentive Plan of Texas Capital Bancshares, Inc.

of our reports dated February 18, 2016, with respect to the consolidated financial statements of Texas Capital Bancshares, Inc., and the effectiveness of internal control over financial reporting of Texas Capital Bancshares, Inc., included in this Annual Report (Form 10-K) of Texas Capital Bancshares, Inc. for the year ended December 31, 2015.

/s/ Ernst & Young LLP

Dallas, Texas

February 18, 2016

EX-31.1 3 ex311-201510k.htm EXHIBIT 31.1 Exhibit

EXHIBIT 31.1

CERTIFICATION

I, C. Keith Cargill, certify that:


1.	I have reviewed this report on Form 10-K of Texas Capital Bancshares, Inc.;


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


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


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


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


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


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


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


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


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


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

Date: February 18, 2016

/S/ C. Keith Cargill

C. Keith Cargill

Chief Executive Officer

EX-31.2 4 ex312-201510k.htm EXHIBIT 31.2 Exhibit

EXHIBIT 31.2

CERTIFICATION

I, Peter Bartholow, certify that:


1.	I have reviewed this report on Form 10-K of Texas Capital Bancshares, Inc.;


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


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


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


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


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


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


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


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


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


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

Date: February 18, 2016

/S/ Peter Bartholow

Peter Bartholow

Chief Financial Officer

EX-32.1 5 ex321-201510k.htm EXHIBIT 32.1 Exhibit

EXHIBIT 32.1

CERTIFICATION

In connection with the Annual Report on Form 10-K of Texas Capital Bancshares, Inc. (the “Company”) for the period ending December 31, 2015 (the “Report”), as filed with the Securities and Exchange Commission on the date hereof, I, C. Keith Cargill, Chief Executive Officer of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to the best of my knowledge:


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


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

/S/ C. Keith Cargill

C. Keith Cargill

Chief Executive Officer

Date: February 18, 2016

EX-32.2 6 ex322-201510k.htm EXHIBIT 32.2 Exhibit

EXHIBIT 32.2

CERTIFICATION

In connection with the Annual Report on Form 10-K of Texas Capital Bancshares, Inc. (the “Company”) for the period ending December 31, 2015 (the “Report”), as filed with the Securities and Exchange Commission on the date hereof, I, Peter B. Bartholow, Chief Financial Officer of the Company, certify, pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that to the best of my knowledge:


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


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

/S/ Peter Bartholow

Peter Bartholow

Chief Financial Officer

Date: February 18, 2016

EX-101.INS 7 tcbi-20151231.xml XBRL INSTANCE DOCUMENT 0001077428 2015-01-01 2015-12-31 0001077428 2015-06-30 0001077428 2016-02-16 0001077428 2014-12-31 0001077428 2015-12-31 0001077428 2014-01-01 2014-12-31 0001077428 2013-01-01 2013-12-31 0001077428 us-gaap:AdditionalPaidInCapitalMember 2013-01-01 2013-12-31 0001077428 us-gaap:AdditionalPaidInCapitalMember 2015-01-01 2015-12-31 0001077428 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2014-12-31 0001077428 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2015-01-01 2015-12-31 0001077428 us-gaap:AdditionalPaidInCapitalMember 2014-12-31 0001077428 us-gaap:CommonStockMember 2015-12-31 0001077428 us-gaap:RetainedEarningsMember 2015-12-31 0001077428 us-gaap:CommonStockMember 2015-01-01 2015-12-31 0001077428 us-gaap:RetainedEarningsMember 2013-01-01 2013-12-31 0001077428 us-gaap:PreferredStockMember 2012-12-31 0001077428 us-gaap:AdditionalPaidInCapitalMember 2014-01-01 2014-12-31 0001077428 us-gaap:TreasuryStockMember 2014-12-31 0001077428 us-gaap:RetainedEarningsMember 2015-01-01 2015-12-31 0001077428 us-gaap:RetainedEarningsMember 2014-01-01 2014-12-31 0001077428 us-gaap:AdditionalPaidInCapitalMember 2015-12-31 0001077428 us-gaap:TreasuryStockMember 2013-12-31 0001077428 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2014-01-01 2014-12-31 0001077428 us-gaap:PreferredStockMember 2014-12-31 0001077428 us-gaap:CommonStockMember 2012-12-31 0001077428 us-gaap:CommonStockMember 2014-01-01 2014-12-31 0001077428 us-gaap:RetainedEarningsMember 2014-12-31 0001077428 us-gaap:CommonStockMember 2013-01-01 2013-12-31 0001077428 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2015-12-31 0001077428 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2013-01-01 2013-12-31 0001077428 us-gaap:TreasuryStockMember 2012-12-31 0001077428 us-gaap:CommonStockMember 2014-12-31 0001077428 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2013-12-31 0001077428 us-gaap:PreferredStockMember 2015-12-31 0001077428 us-gaap:TreasuryStockMember 2015-12-31 0001077428 2013-12-31 0001077428 us-gaap:RetainedEarningsMember 2012-12-31 0001077428 us-gaap:PreferredStockMember 2013-12-31 0001077428 us-gaap:RetainedEarningsMember 2013-12-31 0001077428 2012-12-31 0001077428 us-gaap:AccumulatedOtherComprehensiveIncomeMember 2012-12-31 0001077428 us-gaap:PreferredStockMember 2013-01-01 2013-12-31 0001077428 us-gaap:CommonStockMember 2013-12-31 0001077428 us-gaap:AdditionalPaidInCapitalMember 2012-12-31 0001077428 us-gaap:AdditionalPaidInCapitalMember 2013-12-31 0001077428 us-gaap:USStatesAndPoliticalSubdivisionsMember 2015-12-31 0001077428 us-gaap:MortgageBackedSecuritiesMember 2015-12-31 0001077428 us-gaap:EquitySecuritiesMember 2015-12-31 0001077428 us-gaap:EquitySecuritiesMember 2014-12-31 0001077428 us-gaap:MortgageBackedSecuritiesMember 2014-12-31 0001077428 us-gaap:USStatesAndPoliticalSubdivisionsMember 2014-12-31 0001077428 us-gaap:MortgageBackedSecuritiesMember 2014-01-01 2014-12-31 0001077428 us-gaap:BankTimeDepositsMember 2014-12-31 0001077428 us-gaap:BankTimeDepositsMember 2015-12-31 0001077428 us-gaap:MortgageBackedSecuritiesMember 2015-01-01 2015-12-31 0001077428 us-gaap:CommercialRealEstatePortfolioSegmentMember 2014-12-31 0001077428 tcbi:MortgageFinanceMember 2014-12-31 0001077428 tcbi:ConstructionPortfolioMember 2014-12-31 0001077428 us-gaap:CommercialPortfolioSegmentMember 2014-12-31 0001077428 us-gaap:ConsumerPortfolioSegmentMember 2014-12-31 0001077428 us-gaap:FinanceLeasesPortfolioSegmentMember 2014-12-31 0001077428 us-gaap:CommercialLoanMember 2015-01-01 2015-12-31 0001077428 us-gaap:CommercialLoanMember 2014-01-01 2014-12-31 0001077428 us-gaap:CommercialRealEstateOtherReceivableMember 2014-01-01 2014-12-31 0001077428 us-gaap:ConsumerLoanMember 2015-01-01 2015-12-31 0001077428 us-gaap:FinanceLeasesFinancingReceivableMember 2015-01-01 2015-12-31 0001077428 tcbi:MarketRiskMember us-gaap:CommercialRealEstateOtherReceivableMember 2015-12-31 0001077428 tcbi:CommercialMember us-gaap:CommercialRealEstateOtherReceivableMember 2015-01-01 2015-12-31 0001077428 tcbi:CommercialMember us-gaap:CommercialRealEstateOtherReceivableMember 2015-12-31 0001077428 tcbi:EnergyMember us-gaap:CommercialLoanMember 2015-01-01 2015-12-31 0001077428 us-gaap:ConsumerLoanMember 2015-12-31 0001077428 tcbi:MarketRiskMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember 2015-12-31 0001077428 us-gaap:FinanceLeasesFinancingReceivableMember 2015-12-31 0001077428 tcbi:MarketRiskMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember 2015-01-01 2015-12-31 0001077428 tcbi:EnergyMember us-gaap:CommercialLoanMember 2015-12-31 0001077428 tcbi:BusinessLoansMember us-gaap:CommercialLoanMember 2015-12-31 0001077428 tcbi:BusinessLoansMember us-gaap:CommercialLoanMember 2015-01-01 2015-12-31 0001077428 tcbi:SecuredByFamilyMember us-gaap:CommercialRealEstateOtherReceivableMember 2015-12-31 0001077428 tcbi:MarketRiskMember us-gaap:CommercialRealEstateOtherReceivableMember 2015-01-01 2015-12-31 0001077428 tcbi:SecuredByFamilyMember us-gaap:CommercialRealEstateOtherReceivableMember 2015-01-01 2015-12-31 0001077428 tcbi:ExtendedMaturityMember 2014-12-31 0001077428 tcbi:ExtendedMaturityMember 2015-12-31 0001077428 tcbi:CombinationOfRateAndMaturityMember 2015-12-31 0001077428 tcbi:CombinationOfRateAndMaturityMember 2014-12-31 0001077428 us-gaap:PassMember 2015-12-31 0001077428 us-gaap:SubstandardMember 2015-12-31 0001077428 us-gaap:SpecialMentionMember 2015-12-31 0001077428 us-gaap:NonperformingFinancingReceivableMember 2015-12-31 0001077428 us-gaap:ConsumerPortfolioSegmentMember 2015-12-31 0001077428 us-gaap:CommercialPortfolioSegmentMember 2015-12-31 0001077428 tcbi:ConstructionPortfolioMember 2015-12-31 0001077428 us-gaap:CommercialRealEstatePortfolioSegmentMember 2015-12-31 0001077428 tcbi:MortgageFinanceMember 2015-12-31 0001077428 us-gaap:FinanceLeasesPortfolioSegmentMember 2015-12-31 0001077428 us-gaap:ConsumerPortfolioSegmentMember 2015-01-01 2015-12-31 0001077428 tcbi:ConstructionPortfolioMember 2013-12-31 0001077428 us-gaap:ConsumerPortfolioSegmentMember 2014-01-01 2014-12-31 0001077428 us-gaap:CommercialPortfolioSegmentMember 2014-01-01 2014-12-31 0001077428 us-gaap:FinanceLeasesPortfolioSegmentMember 2015-01-01 2015-12-31 0001077428 us-gaap:CommercialRealEstatePortfolioSegmentMember 2014-01-01 2014-12-31 0001077428 tcbi:ConstructionPortfolioMember 2015-01-01 2015-12-31 0001077428 us-gaap:CommercialRealEstatePortfolioSegmentMember 2013-12-31 0001077428 tcbi:MortgageFinanceMember 2015-01-01 2015-12-31 0001077428 tcbi:MortgageFinanceMember 2014-01-01 2014-12-31 0001077428 us-gaap:UnallocatedFinancingReceivablesMember 2014-12-31 0001077428 us-gaap:FinanceLeasesPortfolioSegmentMember 2014-01-01 2014-12-31 0001077428 us-gaap:UnallocatedFinancingReceivablesMember 2015-12-31 0001077428 tcbi:ConstructionPortfolioMember 2014-01-01 2014-12-31 0001077428 us-gaap:CommercialRealEstatePortfolioSegmentMember 2015-01-01 2015-12-31 0001077428 us-gaap:UnallocatedFinancingReceivablesMember 2013-12-31 0001077428 us-gaap:CommercialPortfolioSegmentMember 2015-01-01 2015-12-31 0001077428 us-gaap:ConsumerPortfolioSegmentMember 2013-12-31 0001077428 us-gaap:UnallocatedFinancingReceivablesMember 2015-01-01 2015-12-31 0001077428 us-gaap:UnallocatedFinancingReceivablesMember 2014-01-01 2014-12-31 0001077428 us-gaap:FinanceLeasesPortfolioSegmentMember 2013-12-31 0001077428 tcbi:MortgageFinanceMember 2013-12-31 0001077428 us-gaap:CommercialPortfolioSegmentMember 2013-12-31 0001077428 us-gaap:SubstandardMember 2014-12-31 0001077428 us-gaap:NonperformingFinancingReceivableMember 2014-12-31 0001077428 us-gaap:PassMember 2014-12-31 0001077428 us-gaap:SpecialMentionMember 2014-12-31 0001077428 us-gaap:ConsumerLoanMember 2014-01-01 2014-12-31 0001077428 tcbi:BusinessLoansMember us-gaap:CommercialLoanMember 2014-01-01 2014-12-31 0001077428 tcbi:MarketRiskMember us-gaap:CommercialRealEstateOtherReceivableMember 2014-12-31 0001077428 us-gaap:ConsumerLoanMember 2014-12-31 0001077428 tcbi:SecuredByFamilyMember us-gaap:CommercialRealEstateOtherReceivableMember 2014-12-31 0001077428 tcbi:CommercialMember us-gaap:CommercialRealEstateOtherReceivableMember 2014-01-01 2014-12-31 0001077428 tcbi:MarketRiskMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember 2014-12-31 0001077428 tcbi:CommercialMember us-gaap:CommercialRealEstateOtherReceivableMember 2014-12-31 0001077428 tcbi:EnergyMember us-gaap:CommercialLoanMember 2014-12-31 0001077428 tcbi:MarketRiskMember us-gaap:CommercialRealEstateOtherReceivableMember 2014-01-01 2014-12-31 0001077428 us-gaap:FinanceLeasesFinancingReceivableMember 2014-12-31 0001077428 tcbi:SecuredByFamilyMember us-gaap:CommercialRealEstateOtherReceivableMember 2014-01-01 2014-12-31 0001077428 tcbi:EnergyMember us-gaap:CommercialLoanMember 2014-01-01 2014-12-31 0001077428 tcbi:MarketRiskMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember 2014-01-01 2014-12-31 0001077428 us-gaap:FinanceLeasesFinancingReceivableMember 2014-01-01 2014-12-31 0001077428 tcbi:BusinessLoansMember us-gaap:CommercialLoanMember 2014-12-31 0001077428 tcbi:SecuredByFamilyMember us-gaap:CommercialRealEstateConstructionFinancingReceivableMember 2015-12-31 0001077428 us-gaap:ResidentialMortgageMember 2015-01-01 2015-12-31 0001077428 us-gaap:ResidentialMortgageMember 2015-12-31 0001077428 us-gaap:ResidentialMortgageMember 2014-12-31 0001077428 2013-05-31 0001077428 us-gaap:DevelopedTechnologyRightsMember 2013-05-01 2013-05-31 0001077428 us-gaap:DevelopedTechnologyRightsMember 2013-05-31 0001077428 us-gaap:CustomerRelationshipsMember 2013-05-01 2013-05-31 0001077428 us-gaap:TradeNamesMember 2013-05-31 0001077428 us-gaap:CustomerRelationshipsMember 2013-05-31 0001077428 us-gaap:BuildingMember 2015-12-31 0001077428 us-gaap:BuildingMember 2014-12-31 0001077428 tcbi:FurnitueAndEquipmentMember 2015-12-31 0001077428 tcbi:FurnitueAndEquipmentMember 2014-12-31 0001077428 us-gaap:SubordinatedDebtMember 2015-12-31 0001077428 us-gaap:SeniorNotesMember 2015-12-31 0001077428 tcbi:FederalHomeLoanBankAdvancesExcludeInterestMember 2015-12-31 0001077428 us-gaap:LoansMember 2014-12-31 0001077428 us-gaap:LoansMember 2013-12-31 0001077428 us-gaap:DebtSecuritiesMember 2015-12-31 0001077428 us-gaap:LoansMember 2015-12-31 0001077428 us-gaap:DebtSecuritiesMember 2014-12-31 0001077428 us-gaap:DebtSecuritiesMember 2013-12-31 0001077428 us-gaap:FederalFundsPurchasedMember 2015-12-31 0001077428 us-gaap:FederalFundsPurchasedMember 2013-12-31 0001077428 tcbi:CustomerRepurchaseAgreementsMember us-gaap:CollateralizedSecuritiesMember 2014-12-31 0001077428 tcbi:CustomerRepurchaseAgreementsMember us-gaap:CollateralizedSecuritiesMember 2013-12-31 0001077428 us-gaap:FederalFundsPurchasedMember 2014-12-31 0001077428 us-gaap:FederalHomeLoanBankAdvancesMember 2015-12-31 0001077428 us-gaap:FederalHomeLoanBankAdvancesMember 2014-12-31 0001077428 us-gaap:FederalHomeLoanBankAdvancesMember 2013-12-31 0001077428 tcbi:CustomerRepurchaseAgreementsMember us-gaap:CollateralizedSecuritiesMember 2015-12-31 0001077428 us-gaap:LineOfCreditMember 2013-12-31 0001077428 us-gaap:SubordinatedDebtMember 2014-12-31 0001077428 tcbi:CustomerRepurchaseAgreementsMember 2014-12-31 0001077428 us-gaap:SeniorNotesMember 2014-12-31 0001077428 us-gaap:SeniorNotesMember 2013-12-31 0001077428 tcbi:CustomerRepurchaseAgreementsMember 2013-12-31 0001077428 us-gaap:LineOfCreditMember 2015-12-31 0001077428 tcbi:CustomerRepurchaseAgreementsMember 2015-12-31 0001077428 us-gaap:SubordinatedDebtMember 2013-12-31 0001077428 us-gaap:LineOfCreditMember 2014-12-31 0001077428 2014-01-31 0001077428 2012-09-21 0001077428 us-gaap:SubordinatedDebenturesSubjectToMandatoryRedemptionMember 2015-12-31 0001077428 tcbi:TexasCapitalBancsharesStatutoryIIMember 2015-01-01 2015-12-31 0001077428 tcbi:TexasCapitalBancsharesStatutoryIVMember 2015-01-01 2015-12-31 0001077428 tcbi:TexasCapitalBancsharesStatutoryIIMember 2015-12-31 0001077428 tcbi:TexasCapitalBancsharesStatutoryVMember 2015-01-01 2015-12-31 0001077428 tcbi:TexasCapitalBancsharesStatutoryIMember 2015-01-01 2015-12-31 0001077428 tcbi:TexasCapitalBancsharesStatutoryIIIMember 2015-01-01 2015-12-31 0001077428 tcbi:TexasCapitalBancsharesStatutoryVMember 2015-12-31 0001077428 tcbi:TexasCapitalBancsharesStatutoryIVMember us-gaap:LondonInterbankOfferedRateLIBORMember 2015-01-01 2015-12-31 0001077428 tcbi:TexasCapitalBancsharesStatutoryIIMember us-gaap:LondonInterbankOfferedRateLIBORMember 2015-01-01 2015-12-31 0001077428 tcbi:TexasCapitalBancsharesStatutoryIIIMember 2015-12-31 0001077428 tcbi:TexasCapitalBancsharesStatutoryIIIMember us-gaap:LondonInterbankOfferedRateLIBORMember 2015-01-01 2015-12-31 0001077428 tcbi:TexasCapitalBancsharesStatutoryIMember 2015-12-31 0001077428 tcbi:TexasCapitalBancsharesStatutoryIVMember 2015-12-31 0001077428 tcbi:TexasCapitalBancsharesStatutoryIMember us-gaap:LondonInterbankOfferedRateLIBORMember 2015-01-01 2015-12-31 0001077428 tcbi:TexasCapitalBancsharesStatutoryVMember us-gaap:LondonInterbankOfferedRateLIBORMember 2015-01-01 2015-12-31 0001077428 us-gaap:EmployeeStockOptionMember 2014-01-01 2014-12-31 0001077428 us-gaap:EmployeeStockOptionMember 2013-01-01 2013-12-31 0001077428 us-gaap:EmployeeStockOptionMember 2015-01-01 2015-12-31 0001077428 us-gaap:EmployeeStockOptionMember 2014-12-31 0001077428 us-gaap:EmployeeStockOptionMember 2013-12-31 0001077428 us-gaap:EmployeeStockOptionMember 2015-12-31 0001077428 us-gaap:EmployeeStockOptionMember 2012-12-31 0001077428 us-gaap:StockAppreciationRightsSARSMember 2014-01-01 2014-12-31 0001077428 us-gaap:StockAppreciationRightsSARSMember 2015-01-01 2015-12-31 0001077428 us-gaap:StockAppreciationRightsSARSMember 2013-01-01 2013-12-31 0001077428 us-gaap:StockAppreciationRightsSARSMember 2013-12-31 0001077428 us-gaap:StockAppreciationRightsSARSMember 2014-12-31 0001077428 us-gaap:StockAppreciationRightsSARSMember 2015-12-31 0001077428 us-gaap:StockAppreciationRightsSARSMember 2012-12-31 0001077428 us-gaap:RestrictedStockUnitsRSUMember 2015-01-01 2015-12-31 0001077428 tcbi:CashBasedPerformanceMember 2013-01-01 2013-12-31 0001077428 tcbi:CashBasedPerformanceMember 2015-01-01 2015-12-31 0001077428 tcbi:CashBasedPerformanceMember 2014-01-01 2014-12-31 0001077428 us-gaap:EmployeeStockMember 2014-01-01 2014-12-31 0001077428 us-gaap:EmployeeStockMember 2013-01-01 2013-12-31 0001077428 tcbi:ServiceBasedMember 2015-01-01 2015-12-31 0001077428 tcbi:ServiceAndPerformanceMember us-gaap:MaximumMember 2015-01-01 2015-12-31 0001077428 tcbi:ServiceAndPerformanceMember 2015-01-01 2015-12-31 0001077428 us-gaap:EmployeeStockMember 2015-12-31 0001077428 us-gaap:RestrictedStockUnitsRSUMember 2014-01-01 2014-12-31 0001077428 tcbi:ServiceAndPerformanceMember us-gaap:MinimumMember 2015-01-01 2015-12-31 0001077428 us-gaap:EmployeeStockMember 2015-01-01 2015-12-31 0001077428 us-gaap:RestrictedStockUnitsRSUMember 2015-12-31 0001077428 us-gaap:RestrictedStockUnitsRSUMember 2013-01-01 2013-12-31 0001077428 us-gaap:RestrictedStockUnitsRSUMember 2012-12-31 0001077428 us-gaap:RestrictedStockUnitsRSUMember 2013-12-31 0001077428 us-gaap:RestrictedStockUnitsRSUMember 2014-12-31 0001077428 us-gaap:RestrictedStockUnitsRSUMember us-gaap:MinimumMember 2013-01-01 2013-12-31 0001077428 tcbi:ServiceBasedMember 2014-01-01 2014-12-31 0001077428 us-gaap:RestrictedStockUnitsRSUMember us-gaap:MaximumMember 2014-01-01 2014-12-31 0001077428 us-gaap:RestrictedStockUnitsRSUMember us-gaap:MaximumMember 2013-01-01 2013-12-31 0001077428 tcbi:ServiceBasedMember 2013-01-01 2013-12-31 0001077428 us-gaap:RestrictedStockUnitsRSUMember us-gaap:MinimumMember 2015-01-01 2015-12-31 0001077428 us-gaap:RestrictedStockUnitsRSUMember us-gaap:MaximumMember 2015-01-01 2015-12-31 0001077428 us-gaap:RestrictedStockUnitsRSUMember us-gaap:MinimumMember 2014-01-01 2014-12-31 0001077428 us-gaap:CommitmentsToExtendCreditMember 2014-12-31 0001077428 us-gaap:StandbyLettersOfCreditMember 2014-12-31 0001077428 us-gaap:StandbyLettersOfCreditMember 2015-12-31 0001077428 us-gaap:CommitmentsToExtendCreditMember 2015-12-31 0001077428 us-gaap:SubsidiariesMember 2015-12-31 0001077428 us-gaap:SubsidiariesMember 2014-12-31 0001077428 2015-10-01 2015-12-31 0001077428 tcbi:ImpairedLoansMember 2015-12-31 0001077428 tcbi:ImpairedLoansMember 2014-12-31 0001077428 tcbi:OtherRealEstateOwnedMember 2015-12-31 0001077428 tcbi:OtherRealEstateOwnedMember 2014-12-31 0001077428 tcbi:ImpairedLoansMember 2015-01-01 2015-12-31 0001077428 tcbi:ImpairedLoansMember 2014-01-01 2014-12-31 0001077428 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2014-12-31 0001077428 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2015-12-31 0001077428 us-gaap:CarryingReportedAmountFairValueDisclosureMember 2014-12-31 0001077428 us-gaap:EstimateOfFairValueFairValueDisclosureMember 2015-12-31 0001077428 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:EquitySecuritiesMember 2014-12-31 0001077428 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:USStatesAndPoliticalSubdivisionsMember 2014-12-31 0001077428 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsNonrecurringMember 2014-12-31 0001077428 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember 2015-12-31 0001077428 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2015-12-31 0001077428 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:USStatesAndPoliticalSubdivisionsMember 2015-12-31 0001077428 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsNonrecurringMember 2015-12-31 0001077428 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsNonrecurringMember 2015-12-31 0001077428 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember 2015-12-31 0001077428 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember 2014-12-31 0001077428 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember 2014-12-31 0001077428 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2015-12-31 0001077428 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:EquitySecuritiesMember 2015-12-31 0001077428 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2014-12-31 0001077428 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:EquitySecuritiesMember 2015-12-31 0001077428 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember 2014-12-31 0001077428 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:USStatesAndPoliticalSubdivisionsMember 2015-12-31 0001077428 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember 2015-12-31 0001077428 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:EquitySecuritiesMember 2014-12-31 0001077428 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember 2014-12-31 0001077428 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsNonrecurringMember 2015-12-31 0001077428 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2014-12-31 0001077428 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsNonrecurringMember 2014-12-31 0001077428 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2014-12-31 0001077428 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:MortgageBackedSecuritiesMember 2015-12-31 0001077428 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:USStatesAndPoliticalSubdivisionsMember 2014-12-31 0001077428 us-gaap:FairValueInputsLevel3Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:EquitySecuritiesMember 2014-12-31 0001077428 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:EquitySecuritiesMember 2015-12-31 0001077428 us-gaap:FairValueInputsLevel2Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:USStatesAndPoliticalSubdivisionsMember 2015-12-31 0001077428 us-gaap:FairValueInputsLevel1Member us-gaap:FairValueMeasurementsRecurringMember us-gaap:USStatesAndPoliticalSubdivisionsMember 2014-12-31 0001077428 us-gaap:ParentCompanyMember 2014-12-31 0001077428 us-gaap:ParentCompanyMember 2015-12-31 0001077428 us-gaap:ParentCompanyMember 2012-12-31 0001077428 us-gaap:ParentCompanyMember 2013-01-01 2013-12-31 0001077428 us-gaap:ParentCompanyMember 2015-01-01 2015-12-31 0001077428 us-gaap:ParentCompanyMember 2014-01-01 2014-12-31 0001077428 us-gaap:ParentCompanyMember 2013-12-31 0001077428 us-gaap:LoansReceivableMember us-gaap:InterestRateCapMember us-gaap:NondesignatedMember 2015-12-31 0001077428 us-gaap:LoansReceivableMember us-gaap:NondesignatedMember 2014-12-31 0001077428 us-gaap:LoansReceivableMember us-gaap:NondesignatedMember 2015-12-31 0001077428 us-gaap:LoansReceivableMember us-gaap:InterestRateCapMember us-gaap:NondesignatedMember 2014-12-31 0001077428 us-gaap:NondesignatedMember 2015-12-31 0001077428 us-gaap:LoansReceivableMember tcbi:FinancialinstitutioncounterpartiesMember us-gaap:InterestRateSwapMember us-gaap:NondesignatedMember 2014-12-31 0001077428 us-gaap:InterestRateContractMember us-gaap:NondesignatedMember us-gaap:ForwardContractsMember 2015-12-31 0001077428 us-gaap:LoansReceivableMember tcbi:CustomercounterpartiesMember us-gaap:InterestRateCapMember us-gaap:NondesignatedMember 2015-12-31 0001077428 us-gaap:LoansReceivableMember tcbi:FinancialinstitutioncounterpartiesMember us-gaap:InterestRateSwapMember us-gaap:NondesignatedMember 2015-12-31 0001077428 us-gaap:LoansReceivableMember tcbi:FinancialinstitutioncounterpartiesMember us-gaap:InterestRateCapMember us-gaap:NondesignatedMember 2015-12-31 0001077428 us-gaap:LoansReceivableMember tcbi:CustomercounterpartiesMember us-gaap:InterestRateCapMember us-gaap:NondesignatedMember 2014-12-31 0001077428 us-gaap:NondesignatedMember 2014-12-31 0001077428 us-gaap:LoansReceivableMember tcbi:CustomercounterpartiesMember us-gaap:InterestRateSwapMember us-gaap:NondesignatedMember 2015-12-31 0001077428 us-gaap:LoansReceivableMember tcbi:FinancialinstitutioncounterpartiesMember us-gaap:InterestRateCapMember us-gaap:NondesignatedMember 2014-12-31 0001077428 us-gaap:InterestRateContractMember us-gaap:NondesignatedMember us-gaap:LoanPurchaseCommitmentsMember 2014-12-31 0001077428 us-gaap:InterestRateContractMember us-gaap:NondesignatedMember us-gaap:ForwardContractsMember 2014-12-31 0001077428 us-gaap:LoansReceivableMember tcbi:CustomercounterpartiesMember us-gaap:InterestRateSwapMember us-gaap:NondesignatedMember 2014-12-31 0001077428 us-gaap:InterestRateContractMember us-gaap:NondesignatedMember us-gaap:LoanPurchaseCommitmentsMember 2015-12-31 0001077428 tcbi:InterestRateReceivedMember us-gaap:LoansReceivableMember us-gaap:InterestRateSwapMember us-gaap:NondesignatedMember 2015-12-31 0001077428 tcbi:InterestRatePaidMember us-gaap:LoansReceivableMember us-gaap:InterestRateSwapMember us-gaap:NondesignatedMember 2015-12-31 0001077428 tcbi:InterestRatePaidMember us-gaap:LoansReceivableMember us-gaap:InterestRateSwapMember us-gaap:NondesignatedMember 2014-12-31 0001077428 tcbi:InterestRateReceivedMember us-gaap:LoansReceivableMember us-gaap:InterestRateSwapMember us-gaap:NondesignatedMember 2014-12-31 0001077428 us-gaap:CommonStockMember 2014-11-12 2014-11-12 0001077428 2013-03-28 2013-03-28 0001077428 us-gaap:CommonStockMember 2014-01-01 2014-01-31 0001077428 us-gaap:PreferredStockMember 2013-03-01 2013-03-28 0001077428 us-gaap:PreferredStockMember 2009-01-01 2009-01-31 0001077428 2013-03-28 0001077428 2014-01-01 2014-01-31 0001077428 2015-01-01 2015-03-31 0001077428 2015-04-01 2015-06-30 0001077428 2015-07-01 2015-09-30 0001077428 2014-01-01 2014-03-31 0001077428 2014-07-01 2014-09-30 0001077428 2014-04-01 2014-06-30 0001077428 2014-10-01 2014-12-31 xbrli:shares iso4217:USD tcbi:contract iso4217:USD xbrli:shares xbrli:pure tcbi:loan false --12-31 FY 2015 2015-12-31 10-K 0001077428 45885829 Yes Large Accelerated Filer 1563789052 TEXAS CAPITAL BANCSHARES INC/TX No Yes 63414000 866432000 63414000 866432000 0 0 194304000 976389000 194304000 976389000 143200000 62835000 17300000 9900000 7700000 11200000 6500000 5000000 P1Y2M P0Y9M0D 0.0554 0 0.0554 0.0000 0.0479 0.0579 0.0471 0.0569 0.0236 0 0.0253 0.0000 0.0650 0.0578 0.0562 0.0546 0.0375 0.0579 0.0368 0.0562 254300000 370000000 139300000 213400000 98800000 1200000000 0 0 0 0 800000000 800000000 0 0 399406000 0 286000000 113406000 843051000 700000000 0 0 1859036000 1592087000 2042457000 30200000 37100000 1312225000 1263569000 1455662000 1522729000 748445000 748252000 876563000 876336000 0.0450 0.0450 0.0450 0.0450 1080809000 1265819000 0.0650 0.0650 0.0789 0.0760 0.0747 0.0782 31200000 35300000 22000 8000 1272000 1198000 5700000 8300000 23500000 41400000 29200000 568000 49700000 278000 2284000000 2643000000 2966702000 88155000 150642000 7100000 9000000 15000000 1800000 249000 12100000 24900000 -5500000 6600000 3886000 4514000 24474000 24474000 20588000 19960000 0 1597000 4001000 502113000 1646000 18138000 527495000 16769140000 5634307000 645793000 1038324000 1841604000 2406245000 10113000 87159000 4966276000 25323000 113996000 3222000 16980000 13981000 18661000 4102125000 0 4102125000 0 0 5000000000 4966276000 0 4966276000 0 0 4000000000 310000 884000 51087328000 58090177000 86342672000 6000000 18542000 9822000 8419000 51478335000 56772317000 85478521000 1878000 0 0 0 0 437000 168 475441 90269 385172 134271 92640 84465 19.21 20.87 20.97 18.99 31.16 0.00 43.73 62.02 0.00 20.90 23.68 24.83 25.73 384974 355509 307144 20.64 21.16 22.49 P3Y5M16D P2Y10M21D P2Y4M8D 0.01 16000000 11794000 8291000 23500000 16600000

-22000

23622000

23644000

1289000

718000

709738000

719890000

714546000

724698000

4118000

4628000

4597000

3600000

564000

4100000

530000

4200000

367000

2700000

3000000

10365000

9803000

296000

266000

16730000

16254000

389000

62000

25000

6280000

7041000

217000

104000

-1082000

11142000

-400000

11310000

356000

-111000

-13000

660000

699000

628000

118500

51300

64700

15905713000

1718199000

18909139000

1853578000

0.0976

0.0914

41719000

7387000

31065000

3267000

41719000

7387000

31065000

3267000

29992000

7260000

21901000

831000

29992000

7260000

21901000

831000

2134000

16000

2108000

10000

1379000

11000

1365000

3000

151000

273000

39736000

7522000

28957000

3257000

28886000

7522000

20536000

828000

151000

273000

151000

273000

6349000

6227000

6349000

6227000

5661000

4265000

6333000

4747000

9151000

1588000

4655000

563000

9662000

1593000

4837000

566000

14144000

11402000

15069000

12100000

7522000

1000

1669000

7522000

214000

265000

7387000

1000

1674000

7260000

217000

265000

-885000

-183000

-306000

32700000

10900000

20700000

6600000

1917000

2067000

2011000

554000

457000

98000

1967021000

1757365000

2152292000

2058359000

1330568000

1330226000

1558334000

1557931000

0.0800

1662782000

1947414000

0.1000

0.1183

0.1057

0.1105

0.1057

206348000

141257000

153911000

47605000

1330514000

176324000

1790870000

53061000

1330514000

1790870000

-52437000

-93652000

1176603000

128719000

460356000

-123263000

96524000

109496000

14.84

581500

0.01

100000000

45735424

45874224

457000

459000

13762000

18667000

21425000

119407000

136013000

136000000

144300000

144283000

39000000

76478000

77855000

80957000

78356000

79979000

83202000

1878000

2124000

2245000

1250036000

37700000

840026000

15000000

111000000

113406000

1592087000

21800000

1100005000

286000000

113406000

2042457000

14200000

1500000000

286000000

113406000

113400000

0.0151

0.0325

0.0335

0.0160

0.0171

3 month LIBOR + 1.51%

3 month LIBOR + 3.25%

3 month LIBOR + 3.35%

3 month LIBOR + 1.60%

3 month LIBOR + 1.71%

0.0006

0.0022

0.0012

0.0265

0.0650

0.0217

0.0007

0.0030

0.0013

0.0000

0.0582

0.0218

0.0002

0.0055

0.0031

0.0000

0.0575

0.0247

0.065

0.0525

Floating

2005-10-06

2003-04-10

2002-11-19

2006-04-28

2006-09-29

2035-12-31

2033-04-30

2032-11-30

2036-06-30

2036-12-31

0.0027

0.0014

0.0027

0.0015

0.0029

0.0018

3700000

4500000

6300000

-11599000

-3969000

-3561000

-11599000

-3969000

-3561000

65500000

78800000

51914000

55782000

65476000

78780000

1298000

1299000

215000

184000

691000

8263000

5509000

1688000

3779000

13651000

13435000

38356000

53368000

20000

13562000

22998000

1488000

1726000

9466000

10121000

1914000

2468000

694000

387000

8296000

12673300000

15084619000

12673300000

12673607000

15084619000

15085080000

1292388000

2006591000

5630253000

6163622000

4000000

4100000

4600000

11480000

14798000

16495000

361000

31176000

35292000

0.0482

0.0279

0.0144

0.0472

0.0296

0.0234

30162000

1014000

361000

31537000

33851000

1441000

35292000

1014000

361000

30162000

31537000

1441000

33851000

19000

109000

35420000

31176000

35420000

361000

76000

5275000

10400000

7394000

9750000

2.78

0.61

0.72

0.80

2.93

0.71

0.78

0.76

0.70

2.95

2.72

0.60

0.71

0.78

2.88

0.70

0.76

0.75

0.70

2.91

0.36

0.35

0.01

0.00

0.01

13000000

699000

P3Y3M0D

P2Y4M7D

1200000

2929000

1452000

240000

1200000

2929000

2900000

2929000

1499000

1500000

1499000

1200000

2929000

1499000

P7Y3M15D

5324460000

177808000

5542363000

182219000

113406000

8057000

10919000

17231000

148650000

66971000

74164000

92676000

143051000

66971000

74164000

55000000

890000000

1186000000

100000000

1231000000

130000000

701784000

8482000

693302000

3603529000

535000

3602994000

4102609000

1213000

4101396000

6783000

7253000

8323000

5023000

4937000

5022000

5520000

2992000

4275000

92578000

7935000

62949000

14946000

231000

1115000

5402000

117644000

6836000

92606000

12190000

338000

1495000

4179000

8376000

7705000

636000

9000

26000

23467000

19840000

1191000

2436000

14264790000

1416405000

4102125000

5834054000

2793247000

19637000

99322000

16585800000

1835049000

4966276000

6532152000

3118155000

25323000

108845000

49280000

35165000

13880000

62000

173000

183340000

16668000

140479000

21042000

5151000

1521000

1441000

80000

14992000

1536000

1441000

95000

20459000

1521000

80000

1441000

14992000

37145000

15847000

17729000

500000

2319000

659000

91000

3666000

16541528000

5577523000

612711000

929425000

1824936000

2402640000

10113000

84486000

4966276000

24664000

108754000

7013000

179788000

30258000

15353000

108399000

16668000

3605000

354000

5151000

47824000

26526000

17729000

500000

2319000

659000

91000

P14Y

P7Y

3512000

4140000

2639000

471000

435000

473000

9104000

5592000

4964000

931000

822000

-179000

14996000

954000

15370000

374000

50800000

46443000

25039000

3500000

1366000

118000

13034000

3329000

16000

41000

102343000

48442000

4670000

28432000

9764000

5910000

1580000

10000

3535000

25000

60000

24000

36000

49280000

34161000

4047000

1004000

7938000

1895000

62000

173000

183340000

32080000

15353000

108399000

16668000

5335000

354000

5151000

8376000

7433000

79000

272000

317000

240000

9000

26000

23467000

5737000

14103000

1066000

125000

2436000

52529000

37410000

4047000

1004000

7938000

1895000

62000

173000

190089000

38829000

15353000

108399000

16668000

5335000

354000

5151000

19802000

7334000

2795000

375000

118000

7970000

1210000

59815000

17311000

4364000

21791000

9764000

3352000

3233000

25000

60000

24000

36000

16864000

9608000

3521000

3735000

83503000

11097000

15353000

37968000

16668000

2417000

19113000

11857000

3521000

3735000

85935000

13529000

15353000

37968000

16668000

2417000

26641000

17705000

705000

991000

5064000

2119000

16000

41000

42528000

31131000

306000

6641000

2558000

1580000

10000

302000

32416000

24553000

526000

1004000

4203000

1895000

62000

173000

99837000

20983000

70431000

5335000

354000

2734000

33416000

25553000

526000

1004000

4203000

1895000

62000

173000

104154000

25300000

70431000

5335000

354000

2734000

-2093000

1495000

58000

187808000

44354000

52175000

57642000

58191000

212362000

54759000

59280000

57990000

52466000

224495000

123144000

132980000

141041000

66757000

-1165000

16089000

18754000

20810000

20357000

76010000

833000

19709000

21343000

20876000

17713000

79641000

33000

64879000

73886000

77396000

1878000

2124000

2245000

77635000

74998000

87450000

1816575000

3415921000

2411319000

124529000

77928000

-50375000

-31010000

2413000

58579000

2120000

61002000

2123000

3508000

37000

38366000

74000

-3554000

-209000

513063

455489

418264

402593

311423

211168

20588000

19960000

2100000

444625000

116611000

124813000

135290000

137833000

514547000

140908000

153374000

153856000

154820000

602958000

3015000

1828000

1254000

441314000

10382000

511606000

10850000

594729000

3250000

7661681000

8697708000

7348972000

8697708000

312709000

1233990000

1626374000

25112000

9863000

8296000

9406000

9629000

10251000

37582000

10038000

10899000

11089000

11808000

12632000

46428000

9867000

14030000

18145000

24578000

686000

373000

284000

515000

356000

2232000

18000

17000

19000

7327000

16202000

16764000

2536000

2489000

2551000

231000

906000

6293000

400513000

103315000

111407000

119161000

121082000

454965000

119009000

127785000

128298000

128188000

503280000

419513000

108315000

115407000

125661000

127582000

476965000

130009000

142285000

142048000

142188000

556530000

65000

207000

682000

24962000

33584000

46078000

4747000

5097000

1459092000

1714158000

157752000

669000

169051000

617000

192610000

499000

99495000

173000

91044000

4363000

3915000

113996000

5151000

103560000

334000

4951000

14421523000

225734000

17285606000

225525000

15905713000

1718199000

18909139000

1853578000

87604000

14553000

39868000

24210000

149000

3105000

5719000

100954000

7935000

70654000

15582000

240000

1141000

5402000

141111000

6836000

112446000

13381000

338000

3931000

4179000

19699000

62000

19579000

11000

47000

25323000

25093000

3000

227000

57058000

57190000

14314070000

1416405000

4102125000

5869219000

2807127000

19699000

99495000

43304000

14151697000

68670000

50399000

16769140000

1851717000

4966276000

6672631000

3139197000

25323000

113996000

179788000

16377402000

155923000

56027000

2400000

1700000

1600000

2500000

2100000

7000000

10154887000

11745674000

14156058000

16570839000

86075000

1100005000

1500000000

5869219000

33122000

5738474000

53839000

43784000

6672631000

138657000

6375332000

111911000

46731000

1416405000

1414671000

1734000

1851717000

16668000

1821678000

13090000

281000

2807127000

9947000

2785804000

8723000

2653000

3139197000

19312000

3085463000

30585000

3837000

23536000

14156058000

14161484000

41420000

16570839000

16576297000

16203000

15989000

16491000

39100000

1032061000

152017000

4002546000

232199000

2852199000

-9490000

-1275875000

-240000000

-2983670000

-100000000

-2460786000

-110000000

191377000

-5669000

157727000

-3480000

68943000

-3773000

121051000

28265000

33421000

36832000

37834000

136352000

134475000

136352000

35050000

37937000

37114000

34753000

144854000

141099000

144854000

113657000

25827000

30984000

34394000

35397000

126602000

124725000

32612000

35500000

34676000

32316000

135104000

131349000

5011619000

6386911000

256729000

69317000

69765000

71915000

74117000

285114000

76517000

81276000

81688000

87042000

326523000

44024000

10356000

10533000

10396000

11226000

42511000

12267000

12771000

11380000

11320000

47738000

7801000

11281000

9446000

8000

16821000

20866000

23182000

13788000

13825000

13643000

-3258000

2328000

91000

115777000

15572000

14501000

15345000

15633000

15667000

39059000

10200000

13600000

15300000

333699000

82783000

387419000

86359000

1100005000

1500000000

-2529000

-522000

-877000

-1644000

-339000

-571000

72000

28000

76000

151389000

153433000

1328000

1119000

26030000

651000

28440000

933000

33434000

1637000

15991000

5110000

568000

278000

1331000

851000

1267000

11292000

5393000

1557000

358300000

454800000

1706505000

1676927000

1603880000

6960000

9750000

2210000

2203000

1239000

240000000

100000000

110000000

2000

2445000

4029000

15732000

5034000

127002000

0.065

7394000

2438000

2437000

2438000

2437000

9750000

2438000

2437000

2438000

2437000

9750000

1000

0.01

10000000

6000000

150000000

82853000

256223000

145000000

144987000

-5013000

150000000

172375000

-2210000

-2203000

-1239000

15890000

11150000

2430000

-797002000

15000000

244979000

-15000000

399995000

40927000

11667000

5877000

1430000

18104000

2605000

21182000

2237000

22150000

1640000

46757000

22418000

24339000

47205000

26185000

21020000

23135000

23561000

19630000

-6618000

37827000

-8411000

195000

-3046000

-317000

51299000

-1499000

53102000

-1845000

-13000

2777000

-1223000

19000000

5000000

4000000

6500000

22000000

11000000

14500000

13750000

14000000

53250000

958000

15000000

622714000

620837000

757818000

752186000

10530000

16153000

13726000

25705000

68887000

21954000

25705000

68887000

286000000

111000000

286000000

289947000

286000000

111000000

286000000

291091000

423000

437000

14000

423000

20953000

14577000

12304000

P5Y

P4Y

P5Y

P4Y

P5Y

P4Y

20200

22300

17375

7500

12200

24.96

37.40

43.89

163500

53500

64050

8000

144952

45.35

16.26

57.84

23.02

51.96

0.00

411919

640220

403739

537149

289165

445009

325974

360544

23.80

33.72

42.93

48.42

P4Y8M5D

P3Y10M6D

P8Y0M10D

P8Y3M13D

P3Y0M28D

151480

161249

95943

566341

580345

436000

20.47

26.40

38.05

0.409

0.402

0.0117

0.0146

0.1

2550000

400000

2455048

4176787

1193070

565000

1500

4000

174062

54900

25000

13.51

18.65

20.60

0.00

2391014

843190

54900

25000

18.65

20.60

0.00

173035

171808

146153

93388

102836

113910

11.14

17.34

20.05

0.00

14.91

23.50

0.50

0.25

P5Y

P11M19D

P3M18D

P0M1D

P11M19D

P3M18D

P0M1D

40727996

417

41036787

6000000

417

45735424

6000000

417

45874224

6000000

417.000

6000000

1900000

2500000

36339

4398128

99229

272452

201280

138800

119162

28400

21000

75000000

106500000

149600000

40000

256223000

256179000

44000

-1000

1000

-2250000

-2253000

3000

-2203000

-2205000

2000

-1239000

-1241000

2000

836242000

3272000

450116000

407000

382455000

-8000

1096350000

1628000

448208000

410000

150000000

496112000

-8000

1484190000

1492465000

1289000

709738000

457000

150000000

622714000

-8000

1623533000

1628053000

718000

714546000

459000

150000000

757818000

-8000

113406000

25774000

10310000

25774000

41238000

111000000

175000000

1573007000

1424351000

1716170000

1683237000

584765000

584597000

769258000

769498000

0.0400

730746000

961873000

0.0500

0.1076

0.0975

0.0892

0.0875

1573007000

1424351000

1716170000

1683237000

665284000

665113000

1168751000

1168448000

0.0400

0.0600

997669000

1557931000

0.0600

0.0800

0.0946

0.0857

0.0881

0.0864

426331000

527495000

527600000

274400000

1331000

851000

1267000

417

8000

20000

4085000

2762000

79000

162000

1082000

5588000

400000

4944000

33000

173000

38000

41779881

43220000

43845000

43850000

45093000

44003256

46368000

46443000

46471000

46480000

46437872

40864225

42298000

43075000

43144000

44406000

43236344

45759000

45790000

45828000

45856000

45808440

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Securities</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following is a summary of securities (in thousands):</font></div><div style="line-height:120%;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="16" rowspan="1"></td></tr><tr><td width="45%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="15" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2015</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Amortized</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Cost</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Gross</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Unrealized</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Gains</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Gross</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Unrealized</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Losses</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Estimated</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Fair</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Value</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Available-for-sale securities:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Residential mortgage-backed securities</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20,536</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,365</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">21,901</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Municipals</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">828</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">831</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equity securities(1)</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,522</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">11</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(273</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,260</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">28,886</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,379</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(273</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">29,992</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div><div style="line-height:120%;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="16" rowspan="1"></td></tr><tr><td width="45%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="15" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2014</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Amortized</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Cost</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Gross</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Unrealized</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Gains</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Gross</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Unrealized</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Losses</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Estimated</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Fair</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Value</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Available-for-sale securities:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Residential mortgage-backed securities</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">28,957</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,108</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">31,065</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Municipals</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,257</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,267</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equity securities(1)</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,522</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(151</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,387</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">39,736</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,134</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(151</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">41,719</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><table cellpadding="0" cellspacing="0" style="padding-top:4px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(1)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equity securities consist of Community Reinvestment Act funds.</font></div></td></tr></table><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The amortized cost and estimated fair value of securities are presented below by contractual maturity (in thousands, except percentage data):</font></div><div style="line-height:120%;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="20" rowspan="1"></td></tr><tr><td width="31%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="19" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2015</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Less Than</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">One Year</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">After One</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Through</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Five Years</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">After Five</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Through</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Ten Years</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">After Ten</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Years</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Available-for-sale:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Residential mortgage-backed securities:(1)</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Amortized cost</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">214</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,655</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,265</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">11,402</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20,536</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Estimated fair value</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">217</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,837</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,747</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">12,100</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">21,901</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Weighted average yield(3)</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5.62</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.71</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5.54</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2.53</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3.68</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Municipals:(2)</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Amortized cost</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">265</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">563</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">828</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Estimated fair value</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">265</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">566</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">831</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Weighted average yield(3)</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5.46</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5.69</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5.62</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equity securities:(4)</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Amortized cost</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,522</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,522</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Estimated fair value</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,260</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,260</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total available-for-sale securities:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Amortized cost</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">28,886</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Estimated fair value</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">29,992</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="20" rowspan="1"></td></tr><tr><td width="31%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="19" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2014</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Less Than</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">One Year</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">After One</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Through</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Five Years</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">After Five</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Through</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Ten Years</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">After Ten</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Years</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Available-for-sale:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Residential mortgage-backed securities:(1)</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Amortized cost</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,151</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,661</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,144</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">28,957</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Estimated fair value</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,662</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6,333</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15,069</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">31,065</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Weighted average yield(3)</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6.50</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.79</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5.54</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2.36</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3.75</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Municipals:(2)</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Amortized cost</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,669</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,588</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,257</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Estimated fair value</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,674</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,593</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,267</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Weighted average yield(3)</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5.78</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5.79</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5.79</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equity securities:(4)</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Amortized cost</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,522</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,522</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Estimated fair value</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,387</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,387</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total available-for-sale securities:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Amortized cost</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">39,736</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Estimated fair value</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">41,719</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><table cellpadding="0" cellspacing="0" style="padding-top:4px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(1)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Actual maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without prepayment penalties. The average expected life of the mortgage-backed securities was </font><font style="font-family:inherit;font-size:10pt;">0.8</font><font style="font-family:inherit;font-size:10pt;"> years at </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">1.2</font><font style="font-family:inherit;font-size:10pt;"> years at </font><font style="font-family:inherit;font-size:10pt;">December 31, 2014</font><font style="font-family:inherit;font-size:10pt;">.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(2)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Yields have been adjusted to a tax equivalent basis assuming a </font><font style="font-family:inherit;font-size:10pt;">35%</font><font style="font-family:inherit;font-size:10pt;"> federal tax rate.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(3)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Yields are calculated based on amortized cost.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(4)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">These equity securities do not have a stated maturity.</font></div></td></tr></table><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Securities with carrying values of approximately </font><font style="font-family:inherit;font-size:10pt;">$20.7 million</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">$32.7 million</font><font style="font-family:inherit;font-size:10pt;"> were pledged to secure certain borrowings and deposits at </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">, respectively. See Note 9 — Borrowing Arrangements for discussion of securities securing borrowings. Of the pledged securities at </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">, approximately </font><font style="font-family:inherit;font-size:10pt;">$6.6 million</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">$10.9 million</font><font style="font-family:inherit;font-size:10pt;">, respectively, were pledged for certain deposits.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table discloses, as of </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">December 31, 2014</font><font style="font-family:inherit;font-size:10pt;">, our investment securities that have been in a continuous unrealized loss position for less than 12 months and those that have been in a continuous unrealized loss position for 12 or more months (in thousands):</font></div><div style="line-height:120%;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="24" rowspan="1"></td></tr><tr><td width="17%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">December 31, 2015</font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Less Than 12 Months</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">12 Months or Longer</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Fair</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Value</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Unrealized</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Loss</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Fair</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Value</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Unrealized</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Loss</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Fair</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Value</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Unrealized</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Loss</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equity securities</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6,227</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(273</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6,227</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(273</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">December 31, 2014</font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Less Than 12 Months</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">12 Months or Longer</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">  </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Fair<br clear="none"/>Value</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Unrealized<br clear="none"/>Loss</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Fair<br clear="none"/>Value</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Unrealized<br clear="none"/>Loss</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Fair<br clear="none"/>Value</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Unrealized<br clear="none"/>Loss</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equity securities</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6,349</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(151</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6,349</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(151</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">At </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">, we owned one security with an unrealized loss position. This security is a publicly traded equity fund and is subject to market pricing volatility. We do not believe that this unrealized loss is “other than temporary.” We have evaluated the near-term prospects of the investment in relation to the severity and duration of the impairment and based on that evaluation have the ability and intent to hold the investment until recovery of fair value.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Unrealized gains or losses on our available-for-sale securities (after applicable income tax expense or benefit) are included in accumulated other comprehensive income, net. We had comprehensive income of </font><font style="font-family:inherit;font-size:10pt;">$144.3 million</font><font style="font-family:inherit;font-size:10pt;"> for the year ended </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and comprehensive income of </font><font style="font-family:inherit;font-size:10pt;">$136.0 million</font><font style="font-family:inherit;font-size:10pt;"> for the year ended </font><font style="font-family:inherit;font-size:10pt;">December 31, 2014</font><font style="font-family:inherit;font-size:10pt;">.</font></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Allocation of a portion of the reserve to one category of loans does not preclude its availability to absorb losses in other categories.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="32" rowspan="1"></td></tr><tr><td width="26%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="6%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="6%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="6%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="6%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="6%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Commercial</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Mortgage</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Finance</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Construction</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Real</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Estate</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Consumer</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Equipment Leases</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Additional Qualitative Reserve</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Total</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">December 31, 2015</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Beginning balance</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">70,654</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">7,935</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">15,582</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">240</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1,141</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">5,402</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">100,954</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Provision for loan losses</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">53,102</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">(1,499</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">(1,845</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">(13</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">2,777</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">(1,223</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">51,299</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Charge-offs</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">16,254</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">389</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">62</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">25</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">16,730</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Recoveries</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">4,944</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">400</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">33</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">173</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">38</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">5,588</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Net charge-offs (recoveries)</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">11,310</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">(400</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">356</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">(111</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">(13</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">11,142</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Ending balance</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">112,446</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">6,836</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">13,381</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">338</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">3,931</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">4,179</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">141,111</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Period end amount allocated to:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Loans individually evaluated for impairment</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">19,840</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1,191</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">2,436</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">23,467</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Loans collectively evaluated for impairment</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">92,606</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">6,836</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">12,190</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">338</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1,495</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">4,179</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">117,644</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Ending balance</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">112,446</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">6,836</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">13,381</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">338</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">3,931</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">4,179</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">141,111</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Commercial</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Mortgage</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Finance</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Construction</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Real</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Estate</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Consumer</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Equipment Leases</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Additional Qualitative Reserve</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Total</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">December 31, 2014</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Beginning balance</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">39,868</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">14,553</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">24,210</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">149</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">3,105</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">5,719</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">87,604</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Provision for loan losses</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">37,827</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">(6,618</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">(8,411</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">195</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">(3,046</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">(317</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">19,630</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Charge-offs</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">9,803</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">296</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">266</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">10,365</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Recoveries</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">2,762</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">79</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">162</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1,082</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">4,085</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Net charge-offs (recoveries)</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">7,041</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">217</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">104</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">(1,082</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">6,280</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Ending balance</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">70,654</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">7,935</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">15,582</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">240</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1,141</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">5,402</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">100,954</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Period end amount allocated to:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Loans individually evaluated for impairment</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">7,705</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">636</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">9</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">26</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">8,376</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Loans collectively evaluated for impairment</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">62,949</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">7,935</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">14,946</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">231</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1,115</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">5,402</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">92,578</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Ending balance</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">70,654</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">7,935</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">15,582</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">240</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1,141</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">5,402</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">100,954</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Marketing and Software</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Marketing costs are expensed as incurred. Ongoing maintenance and enhancements of websites are expensed as incurred. Costs incurred in connection with development or purchase of internal use software are capitalized and amortized over a period not to exceed five years. Internal use software costs are included in other assets in the consolidated balance sheets.</font></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Organization and Nature of Business</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Texas Capital Bancshares, Inc. (the "Company”), a Delaware corporation, was incorporated in November 1996 and commenced banking operations in December 1998. The consolidated financial statements of the Company include the accounts of Texas Capital Bancshares, Inc. and its wholly owned subsidiary, Texas Capital Bank, National Association (the "Bank”). We serve the needs of commercial businesses and successful professionals and entrepreneurs located in Texas as well as operate several lines of business serving a regional or national clientele of commercial borrowers. We are primarily a secured lender, with our greatest concentration of loans in Texas.</font></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Other Real Estate Owned</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Other real estate owned (“OREO”), which is included in other assets on the consolidated balance sheet, consists of real estate that has been foreclosed. Real estate that has been foreclosed is recorded at the fair value of the real estate, less selling costs, through a charge to the allowance for loan losses, if necessary. Subsequent write-downs required for declines in value are recorded through a valuation allowance, or taken directly to the asset, charged to other non-interest expense.</font></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The table below presents a summary of the activity related to OREO (in thousands):</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="12" rowspan="1"></td></tr><tr><td width="59%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td colspan="11" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Year ended December 31,</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Beginning balance</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">568</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,110</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15,991</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Additions</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,267</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">851</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,331</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Sales</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(1,557</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(5,393</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(11,292</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Valuation allowance for OREO</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">958</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Direct write-downs</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(1,878</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Ending balance</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">278</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">568</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,110</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Deposits at </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> were as follows (in thousands):</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="8" rowspan="1"></td></tr><tr><td width="73%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2014</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Non-interest-bearing demand deposits</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6,386,911</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,011,619</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Interest-bearing deposits</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Transaction</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,006,591</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,292,388</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Savings</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6,163,622</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,630,253</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Time</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">527,495</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">426,331</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Deposits in foreign branches</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">312,709</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total interest-bearing deposits</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8,697,708</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,661,681</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total deposits</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15,084,619</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">12,673,300</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Our recorded investment in loans as of </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> related to each balance in the allowance for loan losses by portfolio segment and disaggregated on the basis of our impairment methodology was as follows (in thousands):</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="28" rowspan="1"></td></tr><tr><td width="15%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Commercial</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Mortgage</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Finance</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Construction</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Real</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Estate</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Consumer</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Equipment Leases</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2015</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loans individually evaluated for impairment</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">140,479</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,668</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">21,042</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,151</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">183,340</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loans collectively evaluated for impairment</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6,532,152</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,966,276</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,835,049</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,118,155</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25,323</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">108,845</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,585,800</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6,672,631</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,966,276</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,851,717</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,139,197</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25,323</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">113,996</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,769,140</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="28" rowspan="1"></td></tr><tr><td width="15%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Commercial</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Mortgage</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Finance</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Construction</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Real</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Estate</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Consumer</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Equipment Leases</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2014</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loans individually evaluated for impairment</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">35,165</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">13,880</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">62</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">173</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">49,280</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loans collectively evaluated for impairment</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,834,054</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,102,125</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,416,405</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,793,247</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">19,637</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">99,322</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,264,790</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,869,219</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,102,125</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,416,405</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,807,127</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">19,699</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">99,495</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,314,070</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The scheduled maturities of our borrowings at </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, were as follows (in thousands):</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="20" rowspan="1"></td></tr><tr><td width="32%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Within One</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Year</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">After One</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">But Within</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Three Years</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">After Three</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">But Within</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Five Years</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">After Five</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Years</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Federal funds purchased and customer repurchase agreements(1)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">143,051</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">143,051</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">FHLB borrowings(1)</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">700,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">800,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,500,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Subordinated notes(1)</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">286,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">286,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Trust preferred subordinated debentures(1)</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">113,406</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">113,406</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total borrowings</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">843,051</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">800,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">399,406</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,042,457</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><table cellpadding="0" cellspacing="0" style="padding-top:4px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(1)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Excludes interest.</font></div></td></tr></table></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The scheduled maturities of interest-bearing time deposits were as follows at </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> (in thousands):</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="4" rowspan="1"></td></tr><tr><td width="87%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2016</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">502,113</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2017</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">18,138</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2018</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,646</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2019</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,001</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2020</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,597</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2021 and after</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">527,495</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table summarizes our other borrowing capacities net of balances outstanding at </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2013</font><font style="font-family:inherit;font-size:10pt;"> (in thousands):</font><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="12" rowspan="1"></td></tr><tr><td width="59%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">FHLB borrowing capacity relating to loans</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,101,396</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,602,994</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">693,302</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">FHLB borrowing capacity relating to securities</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,213</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">535</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8,482</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total FHLB borrowing capacity</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,102,609</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,603,529</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">701,784</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Unused Federal funds lines available from commercial banks</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,231,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,186,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">890,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Unused Federal Reserve Borrowings capacity</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,966,702</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,643,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,284,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The weighted-average receive and pay interest rates for interest rate swaps outstanding at </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> were as follows:</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:99.80506822612085%;border-collapse:collapse;text-align:left;"><tr><td colspan="12" rowspan="1"></td></tr><tr><td width="45%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td colspan="5" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">December 31, 2015</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Weighted-Average Interest  Rate</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="5" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">December 31, 2014<br clear="none"/>Weighted-Average Interest  Rate</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Received</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Paid</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Received</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Paid</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Non-hedging interest rate swaps</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2.96</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.72</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2.79</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.82</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr></table></div></div></div> <div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The table below presents the unpaid principal balance of loans held for sale and related fair values at </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> (in thousands):</font></div><div style="line-height:120%;padding-top:6px;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="10" rowspan="1"></td></tr><tr><td width="52%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="14%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="16%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="9" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2015</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Unpaid Principal Balance</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Fair Value</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Fair Value Over/(Under) Unpaid Principal Balance</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loans held for sale</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">82,853</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">86,075</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,222</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Parent Company Only</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Summarized financial information for Texas Capital Bancshares, Inc. – Parent Company Only follows (in thousands):</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Balance Sheet</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="8" rowspan="1"></td></tr><tr><td width="73%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td colspan="7" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31,</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2014</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Assets</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Cash and cash equivalents</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">53,061</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">176,324</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Investment in subsidiaries</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,714,158</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,459,092</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Other assets</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">86,359</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">82,783</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total assets</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,853,578</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,718,199</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Liabilities and Stockholders’ Equity</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Other liabilities</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,119</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,328</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Subordinated notes</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">111,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">111,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Trust preferred subordinated debentures</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">113,406</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">113,406</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total liabilities</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">225,525</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">225,734</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Preferred stock</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">150,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">150,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Common stock</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">459</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">457</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Additional paid-in capital</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">724,698</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">719,890</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Retained earnings</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">752,186</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">620,837</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Treasury stock</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(8</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(8</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Accumulated other comprehensive income</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">718</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,289</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total stockholders’ equity</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,628,053</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,492,465</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total liabilities and stockholders’ equity</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,853,578</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,718,199</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Statement of Earnings</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="12" rowspan="1"></td></tr><tr><td width="59%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font></div></td><td colspan="11" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Year ended December 31,</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">  </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loan income</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,250</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10,850</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10,382</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Dividend income</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10,400</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,275</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">76</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Other income</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">76</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">28</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">72</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total income</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">13,726</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,153</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10,530</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Other non-interest income</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Interest expense</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,867</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10,038</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,863</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Salaries and employee benefits</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">499</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">617</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">669</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Legal and professional</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,640</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,237</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,605</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Other non-interest expense</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,637</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">933</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">651</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total expense</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">13,643</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">13,825</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">13,788</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Income (loss) before income taxes and equity in undistributed income of subsidiary</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">91</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,328</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(3,258</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Income tax expense (benefit)</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">33</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">833</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(1,165</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Income (loss) before equity in undistributed income of subsidiary</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">58</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,495</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(2,093</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equity in undistributed income of subsidiary</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">141,041</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">132,980</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">123,144</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net income</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">141,099</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">134,475</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">121,051</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Preferred stock dividends</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,750</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,750</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,394</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net income available to common stockholders</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">131,349</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">124,725</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">113,657</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Statements of Cash Flows</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="12" rowspan="1"></td></tr><tr><td width="59%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font></div></td><td colspan="11" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Year ended December 31,</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">  </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="11" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-style:italic;">(in thousands)</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Operating Activities</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net income</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">141,099</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">134,475</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">121,051</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Adjustments to reconcile net income to net cash used in operating activities:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equity in undistributed income of subsidiary</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(141,041</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(132,980</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(123,144</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Increase in other assets</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(2,123</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(2,120</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(2,413</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Excess tax benefits from stock-based compensation arrangements</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(1,499</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(2,929</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(1,200</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Increase in other liabilities</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(209</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">74</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">37</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net cash used in operating activities of continuing operations</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(3,773</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(3,480</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(5,669</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Investing Activities</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Investments in and advances to subsidiaries</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(110,000</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(100,000</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(240,000</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net cash used in investing activities</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(110,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(100,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(240,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Financing Activities</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Proceeds from sale of stock related to stock-based awards</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(1,239</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(2,203</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(2,210</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Proceeds from sale of common stock</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">256,223</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Proceeds from issuance of preferred stock</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">144,987</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Preferred dividends paid</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(9,750</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(9,750</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(6,960</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Issuance of subordinated notes</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net other borrowings</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(15,000</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Excess tax benefits from stock-based compensation arrangements</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,499</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,929</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,200</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net cash provided by financing activities</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(9,490</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">232,199</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">152,017</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net increase (decrease) in cash and cash equivalents</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(123,263</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">128,719</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(93,652</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Cash and cash equivalents at beginning of year</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">176,324</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">47,605</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">141,257</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Cash and cash equivalents at end of year</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">53,061</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">176,324</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">47,605</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Assets and liabilities measured at fair value at </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> are as follows (in thousands):</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="12" rowspan="1"></td></tr><tr><td width="59%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font></div></td><td colspan="11" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Fair Value Measurements Using</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2015</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Level 1</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Level 2</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Level 3</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Available for sale securities:(1)</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Mortgage-backed securities</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">21,901</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Municipals</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">831</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equity securities(2)</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,260</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loans held for sale(3)</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">86,075</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loans(4)(6)</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">41,420</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">OREO(5)(6)</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">278</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Derivative assets(7)</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">35,292</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Derivative liabilities(7)</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">35,420</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:17px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2014</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Available for sale securities:(1)</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Mortgage-backed securities</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">31,065</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Municipals</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,267</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equity securities(2)</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,387</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loans held for sale(3)</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loans(4)(6)</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">23,536</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">OREO(5)(6)</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">568</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Derivative assets(7)</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">31,176</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Derivative liabilities(7)</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">31,176</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><table cellpadding="0" cellspacing="0" style="padding-top:4px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(1)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Securities are measured at fair value on a recurring basis, generally monthly.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(2)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equity securities consist of Community Reinvestment Act funds.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(3)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loans held for sale are measured at fair value on a recurring basis, generally monthly.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(4)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Includes impaired loans that have been measured for impairment at the fair value of the loan’s collateral.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(5)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">OREO is transferred from loans to OREO at fair value less selling costs.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(6)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Fair value of loans and OREO is measured on a nonrecurring basis, generally annually or more often as warranted by market and economic conditions</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(7)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Derivative assets and liabilities are measured at fair value on a recurring basis, generally quarterly.</font></div></td></tr></table></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">A summary of the carrying amounts and estimated fair values of financial instruments is as follows (in thousands):</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="16" rowspan="1"></td></tr><tr><td width="45%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2014</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">  </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Carrying</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Amount</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Estimated</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Fair Value</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Carrying<br clear="none"/>Amount</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Estimated<br clear="none"/>Fair Value</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Cash and cash equivalents</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,790,870</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,790,870</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,330,514</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,330,514</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Securities, available-for-sale</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">29,992</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">29,992</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">41,719</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">41,719</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loans held for sale</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">86,075</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">86,075</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loans held for investment, net</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,570,839</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,576,297</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,156,058</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,161,484</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Derivative assets</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">35,292</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">35,292</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">31,176</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">31,176</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Deposits</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15,084,619</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15,085,080</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">12,673,300</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">12,673,607</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Federal funds purchased</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">74,164</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">74,164</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">66,971</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">66,971</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Customer repurchase agreements</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">68,887</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">68,887</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25,705</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25,705</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Other borrowings</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,500,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,500,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,100,005</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,100,005</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Subordinated notes</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">286,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">291,091</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">286,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">289,947</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Trust preferred subordinated debentures</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">113,406</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">113,406</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">113,406</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">113,406</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Derivative liabilities</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">35,420</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">35,420</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">31,176</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">31,176</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following tables summarize the credit risk profile of our loan portfolio by internally assigned grades and non-accrual status as of </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> (in thousands):</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="28" rowspan="1"></td></tr><tr><td width="19%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Commercial</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Mortgage</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Finance</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Construction</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Real Estate</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Consumer</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Equipment Leases</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2015</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Grade:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Pass</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6,375,332</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,966,276</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,821,678</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,085,463</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25,093</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">103,560</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,377,402</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Special mention</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">111,911</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">13,090</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">30,585</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">334</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">155,923</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Substandard- accruing</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">46,731</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">281</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,837</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">227</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,951</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">56,027</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Non-accrual</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">138,657</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,668</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">19,312</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,151</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">179,788</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total loans held for investment</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6,672,631</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,966,276</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,851,717</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,139,197</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25,323</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">113,996</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,769,140</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div><div style="line-height:120%;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="28" rowspan="1"></td></tr><tr><td width="19%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Commercial</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Mortgage</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Finance</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Construction</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Real Estate</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Consumer</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Equipment Leases</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2014</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Grade:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Pass</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,738,474</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,102,125</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,414,671</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,785,804</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">19,579</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">91,044</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,151,697</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Special mention</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">53,839</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,734</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8,723</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">11</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,363</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">68,670</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Substandard-accruing</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">43,784</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,653</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">47</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,915</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">50,399</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Non-accrual</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">33,122</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,947</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">62</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">173</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">43,304</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total loans held for investment</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,869,219</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,102,125</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,416,405</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,807,127</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">19,699</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">99,495</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,314,070</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following tables detail our impaired loans, by portfolio class as of </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> (in thousands):</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="20" rowspan="1"></td></tr><tr><td width="31%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2015</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Recorded</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Investment</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Unpaid</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Principal</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Balance</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Related</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Allowance</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Average</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Recorded</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Investment</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Interest</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Income</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Recognized</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">With no related allowance recorded:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Business loans</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">11,097</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">13,529</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">17,311</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Energy loans</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">37,968</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">37,968</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">21,791</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">36</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Construction</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,668</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,668</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,764</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Real estate</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,352</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15,353</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15,353</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,364</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">24</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Secured by 1-4 family</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Consumer</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equipment leases</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,417</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,417</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,233</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total impaired loans with no allowance recorded</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">83,503</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">85,935</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">59,815</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">60</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">With an allowance recorded:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Business loans</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20,983</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25,300</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,737</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">31,131</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Energy loans</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">70,431</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">70,431</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,103</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6,641</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Construction</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Real estate</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,335</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,335</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,066</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,558</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">306</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Secured by 1-4 family</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">354</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">354</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">125</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,580</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Consumer</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equipment leases</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,734</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,734</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,436</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">302</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total impaired loans with an allowance recorded</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">99,837</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">104,154</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">23,467</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">42,528</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Combined:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Business loans</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">32,080</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">38,829</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,737</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">48,442</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Energy loans</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">108,399</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">108,399</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,103</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">28,432</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">36</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Construction</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,668</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,668</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,764</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Real estate</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,335</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,335</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,066</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,910</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15,353</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15,353</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,670</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">24</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Secured by 1-4 family</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">354</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">354</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">125</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,580</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Consumer</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equipment leases</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,151</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,151</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,436</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,535</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total impaired loans</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">183,340</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">190,089</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">23,467</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">102,343</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">60</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="20" rowspan="1"></td></tr><tr><td width="31%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2014</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">  </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Recorded</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Investment</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Unpaid</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Principal</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Balance</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Related</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Allowance</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Average</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Recorded</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Investment</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Interest</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Income</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Recognized</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">With no related allowance recorded:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Business loans</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,608</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">11,857</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,334</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Energy loans</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">375</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Construction</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">118</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Real estate</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,735</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,735</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,970</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,521</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,521</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,795</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Secured by 1-4 family</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,210</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Consumer</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equipment leases</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total impaired loans with no allowance recorded</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,864</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">19,113</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">19,802</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">With an allowance recorded:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Business loans</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">24,553</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25,553</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,433</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">17,705</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Energy loans</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,004</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,004</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">272</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">991</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Construction</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Real estate</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,203</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,203</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">317</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,064</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">526</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">526</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">79</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">705</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Secured by 1-4 family</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,895</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,895</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">240</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,119</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Consumer</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">62</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">62</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equipment leases</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">173</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">173</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">26</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">41</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total impaired loans with an allowance recorded</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">32,416</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">33,416</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8,376</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">26,641</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Combined:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Business loans</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">34,161</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">37,410</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,433</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25,039</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Energy loans</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,004</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,004</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">272</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,366</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Construction</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">118</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Real estate</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,938</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,938</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">317</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">13,034</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,047</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,047</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">79</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,500</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Secured by 1-4 family</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,895</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,895</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">240</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,329</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Consumer</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">62</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">62</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equipment leases</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">173</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">173</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">26</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">41</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total impaired loans</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">49,280</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">52,529</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8,376</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">46,443</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The amortized cost and estimated fair value of securities are presented below by contractual maturity (in thousands, except percentage data):</font></div><div style="line-height:120%;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="20" rowspan="1"></td></tr><tr><td width="31%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="19" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2015</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Less Than</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">One Year</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">After One</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Through</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Five Years</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">After Five</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Through</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Ten Years</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">After Ten</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Years</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Available-for-sale:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Residential mortgage-backed securities:(1)</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Amortized cost</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">214</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,655</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,265</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">11,402</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20,536</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Estimated fair value</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">217</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,837</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,747</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">12,100</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">21,901</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Weighted average yield(3)</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5.62</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.71</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5.54</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2.53</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3.68</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Municipals:(2)</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Amortized cost</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">265</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">563</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">828</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Estimated fair value</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">265</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">566</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">831</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Weighted average yield(3)</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5.46</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5.69</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5.62</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equity securities:(4)</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Amortized cost</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,522</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,522</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Estimated fair value</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,260</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,260</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total available-for-sale securities:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Amortized cost</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">28,886</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Estimated fair value</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">29,992</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="20" rowspan="1"></td></tr><tr><td width="31%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="19" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2014</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Less Than</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">One Year</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">After One</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Through</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Five Years</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">After Five</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Through</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Ten Years</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">After Ten</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Years</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Available-for-sale:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Residential mortgage-backed securities:(1)</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Amortized cost</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,151</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,661</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,144</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">28,957</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Estimated fair value</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,662</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6,333</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15,069</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">31,065</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Weighted average yield(3)</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6.50</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.79</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5.54</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2.36</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3.75</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Municipals:(2)</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Amortized cost</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,669</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,588</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,257</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Estimated fair value</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,674</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,593</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,267</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Weighted average yield(3)</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5.78</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5.79</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5.79</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equity securities:(4)</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Amortized cost</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,522</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,522</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Estimated fair value</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,387</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,387</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total available-for-sale securities:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Amortized cost</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">39,736</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:52px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Estimated fair value</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">41,719</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><table cellpadding="0" cellspacing="0" style="padding-top:4px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(1)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Actual maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without prepayment penalties. The average expected life of the mortgage-backed securities was </font><font style="font-family:inherit;font-size:10pt;">0.8</font><font style="font-family:inherit;font-size:10pt;"> years at </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">1.2</font><font style="font-family:inherit;font-size:10pt;"> years at </font><font style="font-family:inherit;font-size:10pt;">December 31, 2014</font><font style="font-family:inherit;font-size:10pt;">.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(2)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Yields have been adjusted to a tax equivalent basis assuming a </font><font style="font-family:inherit;font-size:10pt;">35%</font><font style="font-family:inherit;font-size:10pt;"> federal tax rate.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(3)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Yields are calculated based on amortized cost.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(4)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">These equity securities do not have a stated maturity.</font></div></td></tr></table></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Loans Held for Investment and Allowance for Loan Losses</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loans held for investment are summarized by category as follows (in thousands):</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="8" rowspan="1"></td></tr><tr><td width="73%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31,</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2014</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6,672,631</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,869,219</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Mortgage finance</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,966,276</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,102,125</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Construction</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,851,717</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,416,405</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Real estate</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,139,197</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,807,127</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Consumer</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25,323</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">19,699</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equipment leases</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">113,996</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">99,495</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Gross loans held for investment</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,769,140</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,314,070</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Deferred income (net of direct origination costs)</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(57,190</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(57,058</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Allowance for loan losses</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(141,111</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(100,954</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total loans held for investment</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,570,839</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,156,058</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">Commercial Loans and Leases.</font><font style="font-family:inherit;font-size:10pt;">    Our commercial loan portfolio is comprised of lines of credit for working capital and term loans and leases to finance equipment and other business assets. Our energy production loans are generally collateralized with proven reserves based on appropriate valuation standards and take into account the risk of oil and gas price volatility. Our commercial loans and leases are underwritten after carefully evaluating and understanding the borrower’s ability to operate profitably. Our underwriting standards are designed to promote relationship banking rather than to make loans on a transaction basis. Our lines of credit typically are limited to a percentage of the value of the assets securing the line. Lines of credit and term loans typically are reviewed annually and are supported by accounts receivable, inventory, equipment and other assets of our clients’ businesses.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">Mortgage Finance Loans.</font><font style="font-family:inherit;font-size:10pt;">    Our mortgage finance loans consist of ownership interests purchased in single-family residential mortgages funded through our mortgage finance group. These loans are typically held on our balance sheet for 10 to 20 days. We have agreements with mortgage lenders and purchase interests in individual loans they originate. All loans are underwritten consistent with established programs for permanent financing with financially sound investors. Substantially all loans are conforming loans. </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> balances are stated net of </font><font style="font-family:inherit;font-size:10pt;">$454.8 million</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">$358.3 million</font><font style="font-family:inherit;font-size:10pt;"> participations sold, respectively.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">Construction Loans.</font><font style="font-family:inherit;font-size:10pt;">    Our construction loan portfolio consists primarily of single- and multi-family residential properties and commercial projects used in manufacturing, warehousing, service or retail businesses. Our construction loans generally have terms of one to three years. We typically make construction loans to developers, builders and contractors that have an established record of successful project completion and loan repayment and have a substantial equity investment in the borrowers. Loan amounts are derived primarily from the Bank's evaluation of expected cash flows available to service debt from stabilized projects under hypothetically stressed conditions. Construction loans are also based in part upon estimates of costs and value associated with the completed project. Sources of repayment for these types of loans may be pre-committed permanent loans from other lenders, sales of developed property, or an interim loan commitment from us until permanent financing is obtained. The nature of these loans makes ultimate repayment sensitive to overall economic conditions. Borrowers may not be able to correct conditions of default in loans, increasing risk of exposure to classification, non-performing status, reserve allocation and actual credit loss and foreclosure. These loans typically have floating rates and commitment fees.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">Real Estate Loans.</font><font style="font-family:inherit;font-size:10pt;">    A portion of our real estate loan portfolio is comprised of loans secured by properties other than market risk or investment-type real estate. Market risk loans are real estate loans where the primary source of repayment is expected to come from the sale, permanent financing or lease of the real property collateral. We generally provide temporary financing for commercial and residential property. These loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Our real estate loans generally have maximum terms of five to seven years, and we provide loans with both floating and fixed rates. We generally avoid long-term loans for commercial real estate held for investment. Real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. Appraised values may be highly variable due to market conditions and the impact of the inability of potential purchasers and lessees to obtain financing and a lack of transactions at comparable values.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">At </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">, we had a blanket floating lien on certain real estate-secured loans, mortgage finance loans and also certain securities used as collateral for FHLB borrowings.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Summary of Loan Losses</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The allowance for loan losses is comprised of specific reserves for impaired loans and an estimate of losses inherent in the portfolio at the balance sheet date, but not yet identified with specified loans. We consider the allowance at </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> to be appropriate, given management's assessment of potential losses inherent in the portfolio as of the evaluation date, the significant growth in the loan and lease portfolio, current economic conditions in our market areas and other factors.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following tables summarize the credit risk profile of our loan portfolio by internally assigned grades and non-accrual status as of </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> (in thousands):</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="28" rowspan="1"></td></tr><tr><td width="19%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Commercial</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Mortgage</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Finance</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Construction</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Real Estate</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Consumer</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Equipment Leases</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2015</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Grade:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Pass</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6,375,332</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,966,276</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,821,678</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,085,463</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25,093</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">103,560</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,377,402</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Special mention</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">111,911</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">13,090</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">30,585</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">334</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">155,923</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Substandard- accruing</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">46,731</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">281</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,837</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">227</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,951</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">56,027</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Non-accrual</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">138,657</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,668</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">19,312</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,151</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">179,788</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total loans held for investment</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6,672,631</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,966,276</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,851,717</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,139,197</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25,323</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">113,996</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,769,140</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div><div style="line-height:120%;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="28" rowspan="1"></td></tr><tr><td width="19%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Commercial</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Mortgage</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Finance</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Construction</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Real Estate</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Consumer</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Equipment Leases</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2014</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Grade:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Pass</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,738,474</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,102,125</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,414,671</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,785,804</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">19,579</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">91,044</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,151,697</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Special mention</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">53,839</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,734</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8,723</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">11</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,363</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">68,670</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Substandard-accruing</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">43,784</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,653</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">47</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,915</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">50,399</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Non-accrual</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">33,122</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,947</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">62</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">173</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">43,304</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total loans held for investment</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,869,219</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,102,125</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,416,405</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,807,127</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">19,699</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">99,495</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,314,070</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following tables detail activity in the reserve for loan losses by portfolio segment for the years ended </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> (in thousands). Allocation of a portion of the reserve to one category of loans does not preclude its availability to absorb losses in other categories.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="32" rowspan="1"></td></tr><tr><td width="26%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="6%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="6%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="6%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="6%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="6%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Commercial</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Mortgage</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Finance</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Construction</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Real</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Estate</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Consumer</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Equipment Leases</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Additional Qualitative Reserve</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Total</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">December 31, 2015</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Beginning balance</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">70,654</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">7,935</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">15,582</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">240</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1,141</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">5,402</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">100,954</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Provision for loan losses</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">53,102</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">(1,499</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">(1,845</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">(13</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">2,777</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">(1,223</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">51,299</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Charge-offs</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">16,254</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">389</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">62</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">25</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">16,730</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Recoveries</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">4,944</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">400</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">33</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">173</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">38</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">5,588</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Net charge-offs (recoveries)</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">11,310</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">(400</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">356</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">(111</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">(13</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">11,142</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Ending balance</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">112,446</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">6,836</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">13,381</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">338</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">3,931</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">4,179</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">141,111</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Period end amount allocated to:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Loans individually evaluated for impairment</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">19,840</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1,191</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">2,436</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">23,467</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Loans collectively evaluated for impairment</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">92,606</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">6,836</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">12,190</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">338</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1,495</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">4,179</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">117,644</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Ending balance</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">112,446</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">6,836</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">13,381</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">338</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">3,931</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">4,179</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">141,111</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Commercial</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Mortgage</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Finance</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Construction</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Real</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Estate</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Consumer</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Equipment Leases</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Additional Qualitative Reserve</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Total</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">December 31, 2014</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Beginning balance</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">39,868</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">14,553</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">24,210</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">149</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">3,105</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">5,719</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">87,604</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Provision for loan losses</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">37,827</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">(6,618</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">(8,411</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">195</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">(3,046</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">(317</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">19,630</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Charge-offs</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">9,803</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">296</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">266</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">10,365</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Recoveries</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">2,762</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">79</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">162</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1,082</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">4,085</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Net charge-offs (recoveries)</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">7,041</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">217</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">104</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">(1,082</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">6,280</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Ending balance</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">70,654</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">7,935</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">15,582</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">240</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1,141</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">5,402</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">100,954</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Period end amount allocated to:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Loans individually evaluated for impairment</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">7,705</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">636</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">9</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">26</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">8,376</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Loans collectively evaluated for impairment</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">62,949</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">7,935</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">14,946</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">231</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1,115</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">5,402</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">92,578</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Ending balance</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">70,654</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">7,935</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">15,582</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">240</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">1,141</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">5,402</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">100,954</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">We have traditionally maintained an additional qualitative reserve component to compensate for the uncertainty and complexity in estimating loan and lease losses including factors and conditions that may not be fully reflected in the determination and application of the allowance allocation percentages. We believe the level of additional qualitative reserves at </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> is warranted due to the continued uncertain economic environment which has produced losses, including those resulting from borrowers' misstatement of financial information or inaccurate certification of collateral values. Such losses are not necessarily correlated with historical loss trends or general economic conditions. Our methodology used to calculate the allowance considers historical losses; however, the historical loss rates for specific product types or credit risk grades may not fully incorporate the effects of continued weakness in the economy.</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Our recorded investment in loans as of </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> related to each balance in the allowance for loan losses by portfolio segment and disaggregated on the basis of our impairment methodology was as follows (in thousands):</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="28" rowspan="1"></td></tr><tr><td width="15%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Commercial</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Mortgage</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Finance</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Construction</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Real</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Estate</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Consumer</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Equipment Leases</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2015</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loans individually evaluated for impairment</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">140,479</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,668</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">21,042</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,151</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">183,340</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loans collectively evaluated for impairment</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6,532,152</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,966,276</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,835,049</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,118,155</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25,323</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">108,845</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,585,800</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6,672,631</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,966,276</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,851,717</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,139,197</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25,323</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">113,996</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,769,140</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="28" rowspan="1"></td></tr><tr><td width="15%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Commercial</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Mortgage</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Finance</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Construction</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Real</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Estate</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Consumer</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Equipment Leases</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2014</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loans individually evaluated for impairment</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">35,165</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">13,880</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">62</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">173</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">49,280</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loans collectively evaluated for impairment</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,834,054</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,102,125</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,416,405</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,793,247</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">19,637</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">99,322</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,264,790</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,869,219</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,102,125</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,416,405</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,807,127</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">19,699</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">99,495</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,314,070</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Generally we place loans on non-accrual when there is a clear indication that the borrower’s cash flow may not be sufficient to meet payments as they become due, which is generally when a loan is 90 days past due. When a loan is placed on non-accrual status, all previously accrued and unpaid interest is reversed. Interest income is subsequently recognized on a cash basis as long as the remaining unpaid principal amount of the loan is deemed to be fully collectible. If collectability is questionable, then cash payments are applied to principal. We recognized </font><font style="font-family:inherit;font-size:10pt;">$1.6 million</font><font style="font-family:inherit;font-size:10pt;"> in interest income on non-accrual loans during </font><font style="font-family:inherit;font-size:10pt;">2015</font><font style="font-family:inherit;font-size:10pt;"> compared to </font><font style="font-family:inherit;font-size:10pt;">$1.7 million</font><font style="font-family:inherit;font-size:10pt;"> in </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">$2.4 million</font><font style="font-family:inherit;font-size:10pt;"> in </font><font style="font-family:inherit;font-size:10pt;">2013</font><font style="font-family:inherit;font-size:10pt;">. Additional interest income that would have been recorded if the loans had been current during the years ended </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2013</font><font style="font-family:inherit;font-size:10pt;"> totaled </font><font style="font-family:inherit;font-size:10pt;">$7.0 million</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">$2.1 million</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">$2.5 million</font><font style="font-family:inherit;font-size:10pt;">, respectively. As of </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">$884,000</font><font style="font-family:inherit;font-size:10pt;"> of our non-accrual loans were earning on a cash basis, compared to </font><font style="font-family:inherit;font-size:10pt;">$310,000</font><font style="font-family:inherit;font-size:10pt;"> at </font><font style="font-family:inherit;font-size:10pt;">December 31, 2014</font><font style="font-family:inherit;font-size:10pt;">. A loan is placed back on accrual status when both principal and interest are current and it is probable that we will be able to collect all amounts due (both principal and interest) according to the terms of the loan agreement.</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">A loan held for investment is considered impaired when, based on current information and events, it is probable that we will be unable to collect all amounts due (both principal and interest) according to the terms of the loan agreement. In accordance with ASC 310, </font><font style="font-family:inherit;font-size:10pt;font-style:italic;">Receivables</font><font style="font-family:inherit;font-size:10pt;">, we have included all restructured loans in our impaired loan totals. The following tables detail our impaired loans, by portfolio class as of </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> (in thousands):</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="20" rowspan="1"></td></tr><tr><td width="31%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2015</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Recorded</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Investment</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Unpaid</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Principal</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Balance</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Related</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Allowance</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Average</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Recorded</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Investment</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Interest</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Income</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Recognized</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">With no related allowance recorded:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Business loans</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">11,097</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">13,529</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">17,311</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Energy loans</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">37,968</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">37,968</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">21,791</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">36</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Construction</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,668</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,668</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,764</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Real estate</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,352</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15,353</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15,353</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,364</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">24</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Secured by 1-4 family</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Consumer</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equipment leases</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,417</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,417</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,233</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total impaired loans with no allowance recorded</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">83,503</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">85,935</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">59,815</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">60</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">With an allowance recorded:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Business loans</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20,983</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25,300</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,737</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">31,131</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Energy loans</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">70,431</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">70,431</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,103</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6,641</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Construction</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Real estate</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,335</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,335</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,066</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,558</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">306</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Secured by 1-4 family</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">354</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">354</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">125</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,580</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Consumer</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equipment leases</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,734</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,734</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,436</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">302</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total impaired loans with an allowance recorded</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">99,837</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">104,154</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">23,467</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">42,528</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Combined:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Business loans</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">32,080</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">38,829</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,737</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">48,442</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Energy loans</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">108,399</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">108,399</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,103</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">28,432</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">36</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Construction</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,668</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,668</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,764</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Real estate</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,335</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,335</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,066</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,910</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15,353</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15,353</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,670</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">24</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Secured by 1-4 family</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">354</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">354</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">125</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,580</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Consumer</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equipment leases</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,151</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,151</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,436</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,535</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total impaired loans</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">183,340</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">190,089</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">23,467</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">102,343</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">60</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="20" rowspan="1"></td></tr><tr><td width="31%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2014</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">  </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Recorded</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Investment</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Unpaid</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Principal</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Balance</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Related</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Allowance</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Average</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Recorded</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Investment</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Interest</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Income</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Recognized</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">With no related allowance recorded:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Business loans</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,608</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">11,857</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,334</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Energy loans</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">375</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Construction</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">118</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Real estate</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,735</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,735</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,970</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,521</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,521</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,795</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Secured by 1-4 family</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,210</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Consumer</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equipment leases</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total impaired loans with no allowance recorded</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,864</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">19,113</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">19,802</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">With an allowance recorded:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Business loans</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">24,553</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25,553</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,433</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">17,705</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Energy loans</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,004</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,004</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">272</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">991</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Construction</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Real estate</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,203</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,203</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">317</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,064</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">526</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">526</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">79</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">705</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Secured by 1-4 family</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,895</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,895</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">240</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,119</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Consumer</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">62</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">62</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equipment leases</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">173</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">173</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">26</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">41</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total impaired loans with an allowance recorded</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">32,416</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">33,416</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8,376</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">26,641</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Combined:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Business loans</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">34,161</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">37,410</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,433</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25,039</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Energy loans</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,004</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,004</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">272</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,366</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Construction</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">118</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Real estate</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,938</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,938</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">317</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">13,034</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,047</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,047</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">79</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,500</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Secured by 1-4 family</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,895</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,895</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">240</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,329</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Consumer</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">62</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">62</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equipment leases</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">173</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">173</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">26</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">41</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total impaired loans</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">49,280</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">52,529</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8,376</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">46,443</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Average impaired loans outstanding during the years ended </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2013</font><font style="font-family:inherit;font-size:10pt;"> totaled </font><font style="font-family:inherit;font-size:10pt;">$102.3 million</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">$46.4 million</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">$50.8 million</font><font style="font-family:inherit;font-size:10pt;"> respectively.</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The table below provides an age analysis of our loans held for investment as of </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> (in thousands):</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="28" rowspan="1"></td></tr><tr><td width="19%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">30-59 Days</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Past Due</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">60-89 Days</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Past Due</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Greater Than</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">90 Days(1)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Total Past</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Due</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Non-accrual</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Current</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Business loans</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15,847</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,666</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,013</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">26,526</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">30,258</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,577,523</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,634,307</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Energy</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">500</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">500</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">108,399</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">929,425</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,038,324</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Mortgage finance loans</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,966,276</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,966,276</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Construction</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,668</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,824,936</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,841,604</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Secured by 1-4 family</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10,113</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10,113</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Real estate</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,605</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,402,640</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,406,245</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">17,729</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">17,729</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15,353</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">612,711</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">645,793</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Secured by 1-4 family</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,319</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,319</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">354</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">84,486</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">87,159</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Consumer</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">659</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">659</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">24,664</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25,323</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equipment leases</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">91</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">91</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,151</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">108,754</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">113,996</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total loans held for investment</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">37,145</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,666</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,013</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">47,824</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">179,788</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,541,528</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,769,140</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><table cellpadding="0" cellspacing="0" style="padding-top:4px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(1)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loans past due 90 days and still accruing includes premium finance loans of </font><font style="font-family:inherit;font-size:10pt;">$6.6 million</font><font style="font-family:inherit;font-size:10pt;">. These loans are generally secured by obligations of insurance carriers to refund premiums on cancelled insurance policies. The refund of premiums from the insurance carriers can take 180 days or longer from the cancellation date.</font></div></td></tr></table><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Restructured loans are loans on which, due to the borrower’s financial difficulties, we have granted a concession that we would not otherwise consider for borrowers of similar credit quality. This may include a transfer of real estate or other assets from the borrower, a modification of loan terms, or a combination of the two. Modifications of terms that could potentially qualify as a restructuring include reduction of contractual interest rate, extension of the maturity date at a contractual interest rate lower than the current rate for new debt with similar risk, or a reduction of the face amount of debt, or forgiveness of either principal or accrued interest. As of </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">December 31, 2014</font><font style="font-family:inherit;font-size:10pt;">, we had </font><font style="font-family:inherit;font-size:10pt;">$249,000</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">$1.8 million</font><font style="font-family:inherit;font-size:10pt;">, respectively, in loans considered restructured that are not on non-accrual. These loans did not have unfunded commitments at </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> or </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">. Of the non-accrual loans at </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">$24.9 million</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">$12.1 million</font><font style="font-family:inherit;font-size:10pt;">, respectively, met the criteria for restructured. These loans had no unfunded commitments at their respective balance sheet dates. A loan continues to qualify as restructured until a consistent payment history or change in borrower’s financial condition has been evidenced, generally no less than twelve months. Assuming that the restructuring agreement specifies an interest rate at the time of the restructuring that is greater than or equal to the rate that we are willing to accept for a new extension of credit with comparable risk, then the loan no longer has to be considered a restructuring if it is in compliance with modified terms in calendar years after the year of the restructure.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following tables summarize, as of </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">, loans that have been restructured during </font><font style="font-family:inherit;font-size:10pt;">2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> (in thousands):</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="11" rowspan="1"></td></tr><tr><td width="47%" rowspan="1" colspan="1"></td><td width="16%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="15%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="15%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2015</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Number of</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Contracts</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Pre-Restructuring</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Outstanding Recorded</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Investment</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Post-Restructuring</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Outstanding  Recorded</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Investment</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial business loans</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20,459</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,992</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total new restructured loans in 2015</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20,459</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,992</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="11" rowspan="1"></td></tr><tr><td width="47%" rowspan="1" colspan="1"></td><td width="16%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="15%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="15%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2014</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Number of</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Contracts</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Pre-Restructuring</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Outstanding Recorded</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Investment</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Post-Restructuring</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Outstanding  Recorded</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Investment</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Real estate - commercial</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,441</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,441</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial business loans</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">95</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">80</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total new restructured loans in 2014</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,536</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,521</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The restructured loans generally include terms to temporarily place the loan on interest only, extend the payment terms or reduce the interest rate. We did not forgive any principal on the above loans. The </font><font style="font-family:inherit;font-size:10pt;">$5.5 million</font><font style="font-family:inherit;font-size:10pt;"> decrease in the post-restructuring recorded investment compared to the pre-restructuring recorded investment is due to paydowns. At </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">$15.0 million</font><font style="font-family:inherit;font-size:10pt;"> of the above loans restructured in </font><font style="font-family:inherit;font-size:10pt;">2015</font><font style="font-family:inherit;font-size:10pt;"> are on non-accrual. The restructuring of the loans did not have a significant impact on our allowance for loan losses at </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> or </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table provides information on how loans were modified as a restructured loan during the year ended </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> (in thousands):</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="8" rowspan="1"></td></tr><tr><td width="73%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31,</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2014</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Extended maturity</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,441</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Combination of maturity extension and payment schedule adjustment</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,992</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">80</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,992</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,521</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">As of </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">, we did not have any loans that were restructured within the last 12 months that subsequently defaulted.</font></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Operations and Summary of Significant Accounting Policies</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Organization and Nature of Business</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Texas Capital Bancshares, Inc. (the "Company”), a Delaware corporation, was incorporated in November 1996 and commenced banking operations in December 1998. The consolidated financial statements of the Company include the accounts of Texas Capital Bancshares, Inc. and its wholly owned subsidiary, Texas Capital Bank, National Association (the "Bank”). We serve the needs of commercial businesses and successful professionals and entrepreneurs located in Texas as well as operate several lines of business serving a regional or national clientele of commercial borrowers. We are primarily a secured lender, with our greatest concentration of loans in Texas.</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Basis of Presentation</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Our accounting and reporting policies conform to accounting principles generally accepted in the United States ("GAAP") and to generally accepted practices within the banking industry. Certain prior period balances have been reclassified to conform to the current period presentation.</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Use of Estimates</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements. Actual results could differ from those estimates. The allowance for loan losses, the fair value of stock-based compensation awards, the fair values of financial instruments and the status of contingencies are particularly susceptible to significant change in the near term.</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Cash and Cash Equivalents</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Cash equivalents include amounts due from banks, interest-bearing deposits and Federal funds sold.</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Securities</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Securities are classified as trading, available-for-sale or held-to-maturity. Management classifies securities at the time of purchase and re-assesses such designation at each balance sheet date; however, transfers between categories from this re-assessment are rare.</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">Trading Account</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Securities acquired for resale in anticipation of short-term market movements are classified as trading, with realized and unrealized gains and losses recognized in income. To date, we have not had any activity in our trading account.</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">Available-for-Sale</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Debt securities are classified as held-to-maturity when we have the positive intent and ability to hold the securities to maturity. Held-to-maturity securities are stated at amortized cost. Debt securities not classified as held-to-maturity or trading and marketable equity securities not classified as trading are classified as available-for-sale.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Available-for-sale securities are stated at fair value, with the unrealized gains and losses reported in a separate component of accumulated other comprehensive income (loss), net of tax. The amortized cost of debt securities is adjusted for amortization of premiums and accretion of discounts to maturity, or in the case of mortgage-backed securities, over the estimated life of the security. Such amortization and accretion is included in interest income from securities. Realized gains and losses and declines in value judged to be other-than-temporary are included in gain (loss) on sale of securities. The cost of securities sold is based on the specific identification method.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">All securities are available-for-sale as of </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">.</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Loans</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">Loans Held for Sale</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Through our MCA program, we commit to purchase residential mortgage loans from independent correspondent lenders and deliver those loans into the secondary market via whole loan sales to independent third parties or in securitization transactions to GSEs such as Fannie Mae, Freddie Mac or Ginnie Mae. In some cases, we retain the mortgage servicing rights. Once purchased, these loans are classified as held for sale and are carried at fair value pursuant to our election of the fair value option in accordance with Accounting Standards Codification 825, </font><font style="font-family:inherit;font-size:10pt;font-style:italic;">Financial Instruments</font><font style="font-family:inherit;font-size:10pt;"> ("ASC 825"). At the commitment date, we enter into a corresponding forward sale commitment with a third party, typically a GSE, to deliver the loans within a specified timeframe. The estimated gain/loss for the entire transaction (from initial purchase commitment to final delivery of loans) is recorded as an asset or liability. Fair value is derived from observable current market prices, when available, and includes the fair value of the mortgage servicing rights. Adjustments to reflect unrealized gains and losses resulting from changes in fair value and realized gains and losses upon ultimate sale of the loans are classified as other non-interest income in the consolidated statements of income and other comprehensive income.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-style:italic;">Loans Held for Investment</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loans held for investment (which include equipment leases accounted for as financing leases) are stated at the amount of unpaid principal reduced by deferred income (net of costs). Interest on loans is recognized using the simple-interest method on the daily balances of the principal amounts outstanding. Loan origination fees, net of direct loan origination costs, and commitment fees, are deferred and amortized as an adjustment to yield over the life of the loan, or over the commitment period, as applicable.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">A loan held for investment is considered impaired when, based on current information and events, it is probable that we will be unable to collect all amounts due (both principal and interest) according to the terms of the loan agreement. Reserves on impaired loans are measured based on the present value of expected future cash flows discounted at the loan’s effective interest rate or the fair value of the underlying collateral, less cost to sell. Impaired loans, or portions thereof, are charged off when a confirmed loss exists.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The accrual of interest on loans is discontinued when there is a clear indication that the borrower’s cash flow may not be sufficient to meet payments as they become due, which is generally when a loan is 90 days past due. When a loan is placed on non-accrual status, all previously accrued and unpaid interest is reversed. Interest income is subsequently recognized on a cash basis as long as the remaining book balance of the asset is deemed to be collectible. If collectability is questionable, then cash payments are applied to principal. A loan is placed back on accrual status when both principal and interest are current and it is probable that we will be able to collect all amounts due (both principal and interest) according to the terms of the loan agreement.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loans held for investment includes legal ownership interests in mortgage loans that we purchase through our mortgage warehouse lending division. The ownership interests are purchased from unaffiliated mortgage originators who are seeking additional funding through sale of the undivided ownership interests to facilitate their ability to originate loans. The mortgage originator has no obligation to offer and we have no obligation to purchase these interests. The originator closes mortgage loans consistent with underwriting standards established by approved investors, and, at the time of the sale to the investor, our ownership interest and that of the originator are delivered by us to the investor selected by the originator and approved by us. We typically purchase up to a 99% ownership interest in each mortgage with the originator owning the remaining percentage. These mortgage ownership interests are held by us for a period of less than 30 days and more typically 10-20 days. Because of conditions in agreements with originators designed to reduce transaction risks, under ASC 860, </font><font style="font-family:inherit;font-size:10pt;font-style:italic;">Transfers and Servicing of Financial Assets</font><font style="font-family:inherit;font-size:10pt;"> (“ASC 860”), the ownership interests do not qualify as participating interests. Under ASC 860, the ownership interests are deemed to be loans to the originators and payments we receive from investors are deemed to be payments made by or on behalf of the originator to repay the loan deemed made to the originator. Because we have an actual, legal ownership interest in the underlying residential mortgage loan, these interests are not extensions of credit to the originators that are secured by the mortgage loans as collateral.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Due to market conditions or events of default by the investor or the originator, we could be required to purchase the remaining interests in the mortgage loans and hold them beyond the expected 10-20 days. Mortgage loans acquired under these conditions would require mark-to-market adjustments to income and could require future allocations of the allowance for loan losses or be subject to charge off in the event the loans become impaired. Mortgage loan interests purchased and disposed of as expected receive no allocation of the allowance for loan losses due to the minimal loss experience with these assets.</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Allowance for Loan Losses</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The allowance for loan losses is comprised of specific reserves for impaired loans and an estimate of losses inherent in the portfolio at the balance sheet date, but not yet identified with specified loans. We regularly evaluate our allowance for loan losses to maintain an appropriate level to absorb estimated loan losses inherent in the loan portfolio. Factors contributing to the determination of the allowance include the creditworthiness of the borrower, changes in the value of pledged collateral, and general economic conditions. All loan commitments rated substandard or worse and greater than $500,000 are specifically reviewed for loss potential. For loans deemed to be impaired, a specific allocation is assigned based on the losses expected to be realized from those loans. For purposes of determining the general reserve, the portfolio is segregated by product types to recognize differing risk profiles among categories, and then further segregated by credit grades. Credit grades are assigned to all loans. Each credit grade is assigned a risk factor, or reserve allocation percentage. These risk factors are multiplied by the outstanding principal balance and risk-weighted by product type to calculate the required reserve. A similar process is employed to calculate a reserve assigned to off-balance sheet commitments, specifically unfunded loan commitments and letters of credit, and any needed reserve is recorded in other liabilities. Even though portions of the allowance may be allocated to specific loans, the entire allowance is available for any credit that, in management’s judgment, should be charged off.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">We have several pass credit grades that are assigned to loans based on varying levels of risk, ranging from credits that are secured by cash or marketable securities, to watch credits which have all the characteristics of an acceptable credit risk but warrant more than the normal level of monitoring. Within our criticized/classified credit grades are special mention, substandard, and doubtful. Special mention loans are those that are currently protected by the sound worth and paying capacity of the borrower, but that are potentially weak and constitute an additional credit risk. The loan has the potential to deteriorate to a substandard grade due to the existence of financial or administrative deficiencies. Substandard loans have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that we will sustain some loss if the deficiencies are not corrected. Some substandard loans are inappropriately protected by sound worth and paying capacity of the borrower and of the collateral pledged and may be considered impaired. Substandard loans can be accruing or can be on non-accrual depending on the circumstances of the individual loans. Loans classified as doubtful have all the weaknesses inherent in substandard loans with the added characteristics that the weaknesses make collection or liquidation in full highly questionable and improbable. The possibility of loss is extremely high. All doubtful loans are on non-accrual.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The allowance allocation percentages assigned to each credit grade have been developed based primarily on an analysis of our historical loss rates. The allocations are adjusted for certain qualitative factors, including general economic conditions, changes in credit policies and lending standards. Changes in the trend and severity of problem loans can cause the estimation of losses to differ from past experience. In addition, the allowance considers the results of reviews performed by independent third party reviewers as reflected in their confirmations of assigned credit grades within the portfolio. The portion of the allowance that is not derived by the allowance allocation percentages compensates for the uncertainty and complexity in estimating loan and lease losses including factors and conditions that may not be fully reflected in the determination and application of the allowance allocation percentages. Examples of risks that support the Bank's maintaining an additional qualitative reserve include the possibility of precipitous negative changes in economic conditions and borrowers' submission of financial statements or certifications of collateral value that subsequently prove to be materially inaccurate for reason of either misstatement or omission of critical information. These situations, while not common, do not necessarily correlate well with the general risk profile presented by assigned credit grade and product type categories. We evaluate many such factors and conditions in determining the additional qualitative portion of the allowance, including amount and frequency of losses attributable to issues not specifically addressed or included in the determination and application of the allowance allocation percentages. </font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The methodology used in the periodic review of the appropriateness of the allowance, which is performed at least quarterly, is designed to be dynamic and responsive to changes in portfolio credit quality. The changes are reflected in the general allowance and in specific reserves as the collectability of larger classified loans is evaluated with new information. As our portfolio has matured, historical loss ratios have been closely monitored, and our reserve adequacy relies primarily on our loss history. The review of the appropriateness of the allowance is performed by executive management and presented to a committee of our board of directors for their review. The committee reports to the board as part of the board's review on a quarterly basis of the Company's consolidated financial statements.</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Other Real Estate Owned</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Other real estate owned (“OREO”), which is included in other assets on the consolidated balance sheet, consists of real estate that has been foreclosed. Real estate that has been foreclosed is recorded at the fair value of the real estate, less selling costs, through a charge to the allowance for loan losses, if necessary. Subsequent write-downs required for declines in value are recorded through a valuation allowance, or taken directly to the asset, charged to other non-interest expense.</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Premises and Equipment</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed using the straight-line method over the estimated useful lives of the assets, which range from three to ten years. Gains or losses on disposals of premises and equipment are included in results of operations.</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Marketing and Software</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Marketing costs are expensed as incurred. Ongoing maintenance and enhancements of websites are expensed as incurred. Costs incurred in connection with development or purchase of internal use software are capitalized and amortized over a period not to exceed five years. Internal use software costs are included in other assets in the consolidated balance sheets.</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Goodwill and Other Intangible Assets</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Intangible assets are acquired assets that lack physical substance but can be distinguished from goodwill because of contractual or other legal rights or because the asset is capable of being sold or exchanged either on its own or in combination with a related contract, asset, or liability. Our intangible assets relate primarily to loan customer relationships. Intangible assets with definite useful lives are amortized on an accelerated basis over their estimated life. Goodwill and intangible assets are tested for impairment during the fourth quarter on an annual basis or whenever events or changes in circumstances indicate the carrying amount of the assets may not be recoverable from future undiscounted cash flows. If impaired, the assets are recorded at fair value.</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Segment Reporting</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">We have determined that all of our lending divisions and subsidiaries meet the aggregation criteria of ASC 280, </font><font style="font-family:inherit;font-size:10pt;font-style:italic;">Segment Reporting</font><font style="font-family:inherit;font-size:10pt;">, since all offer similar products and services, operate with similar processes, and have similar customers.</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Stock-based Compensation</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">We account for all stock-based compensation transactions in accordance with ASC 718, </font><font style="font-family:inherit;font-size:10pt;font-style:italic;">Compensation — Stock Compensation</font><font style="font-family:inherit;font-size:10pt;"> (“ASC 718”), which requires that stock compensation transactions be recognized as compensation expense in the consolidated statement of income and other comprehensive income based on their fair values on the measurement date, which is the date of the grant.</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Accumulated Other Comprehensive Income</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Unrealized gains or losses on our available-for-sale securities (after applicable income tax expense or benefit) are included in accumulated other comprehensive income, net. Accumulated comprehensive income (loss), net for the three years ended </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> is reported in the accompanying consolidated statements of stockholders’ equity and consolidated statements of income and other comprehensive income.</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Income Taxes</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Company and its subsidiary file a consolidated federal income tax return. We utilize the liability method in accounting for income taxes. Under this method, deferred tax assets and liabilities are determined based upon the difference between the values of the assets and liabilities as reflected in the financial statements and their related tax basis using enacted tax rates in effect for the year in which the differences are expected to be recovered or settled. As changes in tax law or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. A valuation reserve is provided against deferred tax assets unless it is more likely than not that such deferred tax assets will be realized.</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Basic and Diluted Earnings Per Common Share</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Basic earnings per common share is based on net income available to common stockholders divided by the weighted-average number of common shares outstanding during the period excluding non-vested stock. Diluted earnings per common share include the dilutive effect of stock options and non-vested stock awards granted using the treasury stock method. A reconciliation of the weighted-average shares used in calculating basic earnings per common share and the weighted average common shares used in calculating diluted earnings per common share for the reported periods is provided in Note 15 — Earnings Per Share.</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Fair Values of Financial Instruments</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">ASC 820, </font><font style="font-family:inherit;font-size:10pt;font-style:italic;">Fair Value Measurements and Disclosures</font><font style="font-family:inherit;font-size:10pt;"> (“ASC 820”), defines fair value, establishes a framework for measuring fair value under GAAP and enhances disclosures about fair value measurements. In general, fair values of financial instruments are based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Mortgage Servicing Rights</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">MSRs are created by selling purchased or originated mortgage loans with servicing rights retained. We identify classes of servicing rights based upon the nature of the underlying assumptions used to value the asset along with the risks associated with the underlying asset. Based upon these criteria we have one class of MSRs, residential.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Originated MSRs are recognized based on the estimated fair value of the mortgage loans and the related servicing rights at the date of sale using values derived from a valuation model managed by a third party. MSRs are amortized in proportion, and over the estimated life of the projected net servicing revenue and are periodically evaluated for impairment. MSRs are reported on the consolidated balance sheets at lower of cost or market. Loan servicing fee income represents income earned for servicing mortgage loans owned by investors and includes mortgage servicing fees and other ancillary servicing income. Servicing fees are recorded as income when earned and are reported in other non-interest income on the consolidated statements of income and other comprehensive income. For additional information on MSRs, see Note 5 - Certain Transfers of Financial Assets.</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Financial Instruments with Off-Balance Sheet Risk</font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The Company has undertaken certain guarantee obligations in the ordinary course of business. These guarantees include liabilities with both balance sheet and off-balance sheet risk. We consider the following arrangements to be guarantees: commitments to extend credit, standby letters credit and indemnification agreements included within third party contractual arrangements. For additional information on commitments and contingencies, see Note 13 - Financial Instruments with Off-Balance Sheet Risk. </font></div><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Derivative Financial Instruments</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">All contracts that satisfy the definition of a derivative are recorded at fair value in other assets and other liabilities in the consolidated balance sheets. We record the derivatives on a net basis when a right of offset exists, based on transactions with a single counterparty that are subject to a legally enforceable master netting agreement. For additional information on derivative financial instruments, see Note 20 - Derivative Financial Instruments.</font></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The table below provides an age analysis of our loans held for investment as of </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> (in thousands):</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="28" rowspan="1"></td></tr><tr><td width="19%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="7%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">30-59 Days</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Past Due</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">60-89 Days</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Past Due</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Greater Than</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">90 Days(1)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Total Past</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Due</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Non-accrual</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Current</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Business loans</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15,847</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,666</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,013</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">26,526</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">30,258</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,577,523</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,634,307</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Energy</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">500</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">500</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">108,399</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">929,425</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,038,324</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Mortgage finance loans</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,966,276</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,966,276</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Construction</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,668</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,824,936</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,841,604</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Secured by 1-4 family</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10,113</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10,113</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Real estate</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market risk</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,605</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,402,640</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,406,245</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">17,729</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">17,729</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15,353</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">612,711</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">645,793</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Secured by 1-4 family</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,319</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,319</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">354</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">84,486</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">87,159</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Consumer</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">659</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">659</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">24,664</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25,323</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equipment leases</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">91</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">91</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,151</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">108,754</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">113,996</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total loans held for investment</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">37,145</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,666</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,013</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">47,824</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">179,788</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,541,528</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,769,140</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><table cellpadding="0" cellspacing="0" style="padding-top:4px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(1)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loans past due 90 days and still accruing includes premium finance loans of </font><font style="font-family:inherit;font-size:10pt;">$6.6 million</font><font style="font-family:inherit;font-size:10pt;">. These loans are generally secured by obligations of insurance carriers to refund premiums on cancelled insurance policies. The refund of premiums from the insurance carriers can take 180 days or longer from the cancellation date.</font></div></td></tr></table></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Premises and equipment at </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> are summarized as follows (in thousands):</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="8" rowspan="1"></td></tr><tr><td width="73%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31,</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2014</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Premises</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">21,020</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">24,339</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Furniture and equipment</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">26,185</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">22,418</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">47,205</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">46,757</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Accumulated depreciation</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(23,644</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(23,622</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total premises and equipment, net</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">23,561</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">23,135</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">For loans securitized and sold for the year ended </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> with servicing rights retained, management used the following assumptions to determine the fair value of MSRs at the date of securitization or sale:</font></div><div style="line-height:120%;padding-top:6px;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:98.2421875%;border-collapse:collapse;text-align:left;"><tr><td colspan="3" rowspan="1"></td></tr><tr><td width="80%" rowspan="1" colspan="1"></td><td width="19%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2015</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Average discount rates</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9.76</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Expected prepayment speeds</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9.14</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Weighted-average life, in years</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7.3</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Because our Bank had less than $15.0 billion in total consolidated assets as of December 31, 2009, we are allowed to continue to classify our trust preferred securities, all of which were issued prior to May 19, 2010, as Tier 1 capital.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The table below summarizes our capital ratios:</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="21" rowspan="1"></td></tr><tr><td width="29%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Actual</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">For Capital</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Adequacy</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Purposes</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">To Be Well Capitalized</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Under Prompt Corrective</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Action Provisions</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-style:italic;">(Dollars in thousands)</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Amount</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Ratio</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Amount</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Ratio</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Amount</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Ratio</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:normal;">As of December 31, 2015:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">CET1:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Company</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,455,662</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7.47</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">876,563</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.50</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">N/A</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">N/A</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Bank</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,522,729</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7.82</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">876,336</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.50</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,265,819</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6.50</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total capital (to risk-weighted assets):</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Company</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,152,292</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">11.05</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,558,334</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8.00</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">N/A</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">N/A</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Bank</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,058,359</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.57</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,557,931</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8.00</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,947,414</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.00</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Tier 1 capital (to risk-weighted assets):</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Company</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,716,170</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8.81</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,168,751</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6.00</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">N/A</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">N/A</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Bank</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,683,237</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8.64</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,168,448</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6.00</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,557,931</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8.00</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Tier 1 capital (to average assets):</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Company</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,716,170</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8.92</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">769,258</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.00</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">N/A</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">N/A</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Bank</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,683,237</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8.75</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">769,498</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.00</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">961,873</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5.00</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:normal;">As of December 31, 2014:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">CET1:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Company</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,312,225</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7.89</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">748,445</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.50</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">N/A</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">N/A</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Bank</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,263,569</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7.60</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">748,252</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.50</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,080,809</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6.50</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total capital (to risk-weighted assets):</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Company</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,967,021</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">11.83</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,330,568</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8.00</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">N/A</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">N/A</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Bank</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,757,365</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.57</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,330,226</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8.00</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,662,782</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.00</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Tier 1 capital (to risk-weighted assets):</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Company</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,573,007</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9.46</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">665,284</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.00</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">N/A</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">N/A</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Bank</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,424,351</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8.57</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">665,113</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.00</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">997,669</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6.00</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Tier 1 capital (to average assets):</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Company</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,573,007</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10.76</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">584,765</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.00</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">N/A</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">N/A</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Bank</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,424,351</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9.75</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">584,597</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.00</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">730,746</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5.00</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Income tax expense/(benefit) consists of the following for the years ended (in thousands):</font><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="12" rowspan="1"></td></tr><tr><td width="59%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font></div></td><td colspan="11" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Year ended December 31,</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">  </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Current:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Federal</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">80,957</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">77,855</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">76,478</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">State</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,245</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,124</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,878</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">83,202</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">79,979</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">78,356</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Deferred</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Federal</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(3,561</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(3,969</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(11,599</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">State</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(3,561</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(3,969</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(11,599</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total expense</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Federal</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">77,396</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">73,886</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">64,879</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">State</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,245</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,124</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,878</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">79,641</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">76,010</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">66,757</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"></font></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Statements of Cash Flows</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="12" rowspan="1"></td></tr><tr><td width="59%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font></div></td><td colspan="11" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Year ended December 31,</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">  </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="11" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-style:italic;">(in thousands)</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Operating Activities</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net income</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">141,099</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">134,475</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">121,051</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Adjustments to reconcile net income to net cash used in operating activities:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equity in undistributed income of subsidiary</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(141,041</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(132,980</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(123,144</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Increase in other assets</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(2,123</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(2,120</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(2,413</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Excess tax benefits from stock-based compensation arrangements</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(1,499</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(2,929</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(1,200</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Increase in other liabilities</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(209</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">74</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">37</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net cash used in operating activities of continuing operations</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(3,773</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(3,480</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(5,669</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Investing Activities</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Investments in and advances to subsidiaries</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(110,000</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(100,000</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(240,000</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net cash used in investing activities</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(110,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(100,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(240,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Financing Activities</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Proceeds from sale of stock related to stock-based awards</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(1,239</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(2,203</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(2,210</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Proceeds from sale of common stock</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">256,223</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Proceeds from issuance of preferred stock</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">144,987</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Preferred dividends paid</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(9,750</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(9,750</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(6,960</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Issuance of subordinated notes</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net other borrowings</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(15,000</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Excess tax benefits from stock-based compensation arrangements</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,499</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,929</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,200</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net cash provided by financing activities</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(9,490</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">232,199</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">152,017</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net increase (decrease) in cash and cash equivalents</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(123,263</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">128,719</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(93,652</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Cash and cash equivalents at beginning of year</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">176,324</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">47,605</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">141,257</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Cash and cash equivalents at end of year</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">53,061</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">176,324</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">47,605</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Statement of Earnings</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="12" rowspan="1"></td></tr><tr><td width="59%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font></div></td><td colspan="11" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Year ended December 31,</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">  </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loan income</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,250</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10,850</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10,382</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Dividend income</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10,400</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,275</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">76</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Other income</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">76</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">28</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">72</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total income</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">13,726</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,153</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10,530</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Other non-interest income</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Interest expense</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,867</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10,038</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,863</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Salaries and employee benefits</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">499</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">617</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">669</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Legal and professional</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,640</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,237</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,605</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Other non-interest expense</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,637</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">933</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">651</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total expense</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">13,643</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">13,825</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">13,788</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Income (loss) before income taxes and equity in undistributed income of subsidiary</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">91</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,328</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(3,258</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Income tax expense (benefit)</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">33</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">833</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(1,165</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Income (loss) before equity in undistributed income of subsidiary</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">58</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,495</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(2,093</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equity in undistributed income of subsidiary</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">141,041</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">132,980</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">123,144</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net income</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">141,099</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">134,475</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">121,051</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Preferred stock dividends</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,750</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,750</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,394</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net income available to common stockholders</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">131,349</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">124,725</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">113,657</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table summarizes our borrowings at </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2013</font><font style="font-family:inherit;font-size:10pt;"> (in thousands):</font><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="21" rowspan="1"></td></tr><tr><td width="26%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="10%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Balance</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Rate(3)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Balance</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Rate(3)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Balance</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Rate(3)</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Federal funds purchased(4)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">74,164</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.55</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">66,971</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.30</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">148,650</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.22</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Customer repurchase agreements(1)</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">68,887</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.02</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25,705</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.07</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">21,954</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.06</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">FHLB borrowings(2)</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,500,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.31</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,100,005</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.13</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">840,026</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.12</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Line of credit</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2.65</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Subordinated notes</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">286,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5.75</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">286,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5.82</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">111,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6.50</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Trust preferred subordinated debentures</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">113,406</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2.47</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">113,406</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2.18</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">113,406</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2.17</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total borrowings</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,042,457</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,592,087</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,250,036</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Maximum outstanding at any month end</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,042,457</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,592,087</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,859,036</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><table cellpadding="0" cellspacing="0" style="padding-top:4px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(1)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Securities pledged for customer repurchase agreements were </font><font style="font-family:inherit;font-size:10pt;">$14.2 million</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">$21.8 million</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">$37.7 million</font><font style="font-family:inherit;font-size:10pt;"> at </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2013</font><font style="font-family:inherit;font-size:10pt;">, respectively.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(2)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">FHLB borrowings are collateralized by a blanket floating lien on certain real estate secured loans, mortgage finance assets and also certain pledged securities. The weighted-average interest rate for the years ended </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2013</font><font style="font-family:inherit;font-size:10pt;"> was </font><font style="font-family:inherit;font-size:10pt;">0.18%</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">0.15%</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">0.14%</font><font style="font-family:inherit;font-size:10pt;">, respectively. The average balance of FHLB borrowings for the years ended </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2013</font><font style="font-family:inherit;font-size:10pt;"> was </font><font style="font-family:inherit;font-size:10pt;">$1.2 billion</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">$213.4 million</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">$370.0 million</font><font style="font-family:inherit;font-size:10pt;">, respectively.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(3)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Interest rate as of period end.</font></div></td></tr></table><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(4)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The weighted-average interest rate on Federal funds purchased for the years ended </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2013</font><font style="font-family:inherit;font-size:10pt;"> was </font><font style="font-family:inherit;font-size:10pt;">0.29%</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">0.27%</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">0.27%</font><font style="font-family:inherit;font-size:10pt;">, respectively. The average balance of Federal funds purchased for the years ended </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2013</font><font style="font-family:inherit;font-size:10pt;"> was </font><font style="font-family:inherit;font-size:10pt;">$98.8 million</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">$139.3 million</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">$254.3 million</font><font style="font-family:inherit;font-size:10pt;">, respectively.</font></div></td></tr></table></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Significant components of deferred tax assets and liabilities are as follows (in thousands):</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="8" rowspan="1"></td></tr><tr><td width="73%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font></div></td><td colspan="7" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31,</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">  </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2014</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Deferred tax assets:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Allowance for credit losses</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">53,368</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">38,356</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loan origination fees</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">13,435</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">13,651</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Stock compensation</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,509</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8,263</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Mark to market on mortgage loans</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">184</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">215</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Reserve for potential mortgage loan repurchases</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Non-accrual interest</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,198</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,272</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Deferred lease expense</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,779</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,688</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Depreciation</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">691</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">OREO valuation allowance</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">22</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Other</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,299</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,298</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total deferred tax assets</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">78,780</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">65,476</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Deferred tax liabilities:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loan origination costs</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(1,726</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(1,488</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Leases</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(10,121</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(9,466</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Depreciation</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(8,296</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Unrealized gain on securities</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(387</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(694</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Other</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(2,468</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(1,914</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total deferred tax liabilities</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(22,998</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(13,562</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net deferred tax asset</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">55,782</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">51,914</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The notional amounts and estimated fair values of interest rate derivative positions outstanding at </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> presented in the following table (in thousands):</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:99.80506822612085%;border-collapse:collapse;text-align:left;"><tr><td colspan="22" rowspan="1"></td></tr><tr><td width="37%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td colspan="10" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">December 31, 2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="10" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">December 31, 2014</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Estimated Fair Value</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="6" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Estimated Fair Value</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Notional</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Amount</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Asset Derivative</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Liability Derivative</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Notional</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Amount</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Asset Derivative</font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Liability Derivative</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Non-hedging interest rate derivatives:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Financial institution counterparties:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial loan/lease interest rate swaps</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">976,389</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">33,851</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">866,432</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">361</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">30,162</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial loan/lease interest rate caps</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">194,304</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,441</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">63,414</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,014</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Customer counterparties:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial loan/lease interest rate swaps</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">976,389</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">33,851</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">866,432</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">30,162</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">361</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:24px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial loan/lease interest rate caps</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">194,304</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,441</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">63,414</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,014</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Economic hedging interest rate derivatives:</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Loan purchase commitments</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">62,835</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">109</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Forward sale commitments</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">143,200</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">19</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Gross derivatives</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">35,292</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">35,420</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">31,537</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">31,537</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Offsetting derivative assets/liabilities</font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(361</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(361</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:24px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net derivatives included in the consolidated balance sheets</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">35,292</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">35,420</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">31,176</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">31,176</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table presents the computation of basic and diluted earnings per share (in thousands except share data):</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="12" rowspan="1"></td></tr><tr><td width="59%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font></div></td><td colspan="11" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Year ended December 31,</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">  </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Numerator:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net income</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">144,854</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">136,352</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">121,051</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Preferred stock dividends</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,750</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,750</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,394</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net income available to common stockholders</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">135,104</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">126,602</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">113,657</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Denominator:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Denominator for basic earnings per share—weighted average shares</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">45,808,440</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">43,236,344</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">40,864,225</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Effect of employee stock-based awards(1)</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">211,168</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">311,423</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">402,593</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Effect of warrants to purchase common stock</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">418,264</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">455,489</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">513,063</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Denominator for dilutive earnings per share—adjusted weighted average shares and assumed conversions</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">46,437,872</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">44,003,256</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">41,779,881</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Basic earnings per common share</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2.95</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2.93</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2.78</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Diluted earnings per common share</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2.91</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2.88</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2.72</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><table cellpadding="0" cellspacing="0" style="padding-top:4px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(1)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Stock options, SARs and RSUs outstanding of </font><font style="font-family:inherit;font-size:10pt;">64,700</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">51,300</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">118,500</font><font style="font-family:inherit;font-size:10pt;"> in </font><font style="font-family:inherit;font-size:10pt;">2015</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2013</font><font style="font-family:inherit;font-size:10pt;">, respectively, have not been included in diluted earnings per share because to do so would have been antidilutive for the periods presented. Stock options are antidilutive when the exercise price is higher than the average market price of the Company’s common stock.</font></div></td></tr></table></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The reconciliation of income computed at the U.S. federal statutory tax rates to income tax expense (benefit) is as follows:</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="9" rowspan="1"></td></tr><tr><td width="59%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font></div></td><td colspan="8" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Year ended December 31,</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">  </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Tax at U.S. statutory rate</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">35</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> %</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">35</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> %</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">35</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> %</font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">State taxes</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> %</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> %</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> %</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Non-deductible expenses</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> %</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> %</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> %</font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Non-taxable income</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(1</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(1</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(1</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)%</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Other</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">35</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> %</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">36</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> %</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">36</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> %</font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">At </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">, commitments to extend credit and standby and commercial letters of credit were as follows (in thousands):</font><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="8" rowspan="1"></td></tr><tr><td width="73%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font></div></td><td colspan="7" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31,</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">  </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2014</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commitments to extend credit</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,542,363</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,324,460</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Standby letters of credit</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">182,219</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">177,808</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">At </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">, we had </font><font style="font-family:inherit;font-size:10pt;">$9.0 million</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">$7.1 million</font><font style="font-family:inherit;font-size:10pt;">, respectively, in allowance allocations for these off-balance sheet commitments recorded in other liabilities.</font></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Goodwill and other intangible assets at </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> are summarized as follows (in thousands):</font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="12" rowspan="1"></td></tr><tr><td width="56%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Gross Goodwill</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">and Intangible</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Assets</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Accumulated</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Amortization</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Net</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Goodwill</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">and</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Intangible</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Assets</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2015</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Goodwill</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15,370</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(374</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,996</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Intangible assets—customer relationships and trademarks</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,104</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(4,140</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,964</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total goodwill and intangible assets</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">24,474</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(4,514</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">19,960</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2014</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Goodwill</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">15,370</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(374</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,996</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Intangible assets—customer relationships and trademarks</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,104</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(3,512</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,592</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total goodwill and intangible assets</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">24,474</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(3,886</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20,588</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="16" rowspan="1"></td></tr><tr><td width="45%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="15" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2015 Selected Quarterly Financial Data</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Fourth</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Third</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Second</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">First</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Interest income</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">154,820</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">153,856</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">153,374</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">140,908</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Interest expense</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">12,632</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">11,808</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">11,089</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10,899</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net interest income</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">142,188</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">142,048</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">142,285</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">130,009</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Provision for credit losses</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,000</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">13,750</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,500</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">11,000</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net interest income after provision for credit losses</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">128,188</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">128,298</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">127,785</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">119,009</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Non-interest income</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">11,320</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">11,380</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">12,771</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">12,267</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Non-interest expense</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">87,042</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">81,688</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">81,276</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">76,517</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Income before income taxes</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">52,466</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">57,990</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">59,280</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">54,759</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Income tax expense</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">17,713</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20,876</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">21,343</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">19,709</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net income</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">34,753</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">37,114</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">37,937</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">35,050</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Preferred stock dividends</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,437</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,438</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,437</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,438</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net income available to common stockholders</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">32,316</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">34,676</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">35,500</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">32,612</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Basic earnings per share:</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.70</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.76</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.78</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.71</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Diluted earnings per share:</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.70</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.75</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.76</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.70</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Average shares</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Basic</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">45,856,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">45,828,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">45,790,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">45,759,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Diluted</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">46,480,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">46,471,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">46,443,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">46,368,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="16" rowspan="1"></td></tr><tr><td width="45%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="15" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2014 Selected Quarterly Financial Data</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Fourth</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Third</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Second</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">First</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Interest income</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">137,833</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">135,290</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">124,813</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">116,611</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Interest expense</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10,251</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,629</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">9,406</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8,296</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net interest income</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">127,582</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">125,661</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">115,407</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">108,315</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Provision for credit losses</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6,500</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6,500</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,000</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5,000</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net interest income after provision for credit losses</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">121,082</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">119,161</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">111,407</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">103,315</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Non-interest income</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">11,226</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10,396</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10,533</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10,356</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Non-interest expense</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">74,117</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">71,915</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">69,765</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">69,317</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Income before income taxes</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">58,191</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">57,642</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">52,175</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">44,354</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Income tax expense</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20,357</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20,810</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">18,754</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,089</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net income</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">37,834</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">36,832</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">33,421</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">28,265</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Preferred stock dividends</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,437</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,438</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,437</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,438</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Net income available to common stockholders</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">35,397</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">34,394</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">30,984</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25,827</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Basic earnings per share:</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.80</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.80</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.72</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.61</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Diluted earnings per share:</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.78</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.78</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.71</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.60</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Average shares</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Basic</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">44,406,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">43,144,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">43,075,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">42,298,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Diluted</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">45,093,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">43,850,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">43,845,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">43,220,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">We generally retain the right to service the loans sold, creating MSR assets on our balance sheet. A summary of MSR activities for the year ended </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> is as follows (in thousands):</font></div><div style="line-height:120%;padding-top:6px;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="4" rowspan="1"></td></tr><tr><td width="80%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="18%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2015</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Balance, beginning of year</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Capitalized servicing rights</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">437</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Amortization</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(14</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Balance, end of year</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">423</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Fair value</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">423</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">These rights are time-vested and generally vest ratably over a period of five years.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="24" rowspan="1"></td></tr><tr><td width="33%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="8%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">December 31, 2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">December 31, 2014</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">December 31, 2013</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">SARs</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Weighted</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Average</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Exercise</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Price</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">SARs</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Weighted<br clear="none"/>Average<br clear="none"/>Exercise<br clear="none"/>Price</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">SARs /<br clear="none"/>PSARs</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Weighted<br clear="none"/>Average<br clear="none"/>Exercise<br clear="none"/>Price</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">SARs outstanding at beginning of year</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">445,009</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">24.83</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">537,149</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">23.68</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">640,220</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20.90</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">SARs granted</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">62.02</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">53,500</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">43.73</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">SARs exercised</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(84,465</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20.97</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(92,640</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20.87</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(134,271</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">19.21</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">SARs forfeited</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(7,500</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">31.16</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(22,300</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">18.99</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">SARs outstanding at year-end</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">360,544</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25.73</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">445,009</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">24.83</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">537,149</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">23.68</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">SARs vested and exercisable at year-end</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">307,144</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">22.49</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">355,509</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">21.16</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">384,974</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20.64</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Weighted average remaining contractual life of SARs vested</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2.36</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2.89</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3.46</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Compensation expense</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">367,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">530,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">564,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Weighted average fair value of SARs granted</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">23.02</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16.26</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:12px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Fair value of shares vested during the year</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">436,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">580,345</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">566,341</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Weighted average remaining contractual life of SARs currently outstanding (in years)</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3.08</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3.85</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4.68</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Intrinsic value of SARs exercised</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">8,291,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">11,794,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16,000,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">A summary of our stock option activity and related information for </font><font style="font-family:inherit;font-size:10pt;">2015</font><font style="font-family:inherit;font-size:10pt;">, </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2013</font><font style="font-family:inherit;font-size:10pt;"> is as follows:</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="24" rowspan="1"></td></tr><tr><td width="29%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="9%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">December 31, 2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">December 31, 2014</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">December 31, 2013</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Options</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Weighted</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Average</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Exercise</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Price</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Options</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Weighted<br clear="none"/>Average<br clear="none"/>Exercise<br clear="none"/>Price</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Options</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Weighted<br clear="none"/>Average<br clear="none"/>Exercise<br clear="none"/>Price</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Options outstanding at beginning of year</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20.60</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">54,900</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">18.65</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">174,062</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">13.51</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Options exercised</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(21,000</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20.05</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(28,400</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">17.34</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(119,162</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">11.14</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Options forfeited</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(4,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">23.50</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(1,500</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14.91</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Options outstanding at year-end</font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25,000</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20.60</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">54,900</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">18.65</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Options vested and exercisable at year-end</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">25,000</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20.60</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">54,900</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">18.65</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Intrinsic value of options vested and exercisable</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">843,190</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,391,014</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Weighted average remaining contractual life of options vested and exercisable (in years)</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.00</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.30</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.97</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Intrinsic value of options exercised</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">565,000</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,193,070</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,176,787</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;padding-left:12px;text-indent:-12px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Weighted average remaining contractual life of options currently outstanding (in years)</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.00</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.30</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.97</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The fair value of the options and SARs were estimated at the date of grant using the Black-Scholes option pricing model with the following weighted-average assumptions. No stock options or SARs were granted in </font><font style="font-family:inherit;font-size:10pt;">2015</font><font style="font-family:inherit;font-size:10pt;">.</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="8" rowspan="1"></td></tr><tr><td width="59%" rowspan="1" colspan="1"></td><td width="13%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="12%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2014</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2013</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Risk-free rate</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">N/A</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1.46</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1.17</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">%</font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Market price volatility factor</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">N/A</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.402</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">0.409</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Weighted-average expected life of options</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">N/A</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5 years</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5 years</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table discloses, as of </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">December 31, 2014</font><font style="font-family:inherit;font-size:10pt;">, our investment securities that have been in a continuous unrealized loss position for less than 12 months and those that have been in a continuous unrealized loss position for 12 or more months (in thousands):</font></div><div style="line-height:120%;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="24" rowspan="1"></td></tr><tr><td width="17%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">December 31, 2015</font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Less Than 12 Months</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">12 Months or Longer</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Fair</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Value</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Unrealized</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Loss</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Fair</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Value</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Unrealized</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Loss</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Fair</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Value</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Unrealized</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Loss</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equity securities</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6,227</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(273</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6,227</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(273</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr><tr><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:18px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">December 31, 2014</font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Less Than 12 Months</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">12 Months or Longer</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Total</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">  </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Fair<br clear="none"/>Value</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Unrealized<br clear="none"/>Loss</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Fair<br clear="none"/>Value</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Unrealized<br clear="none"/>Loss</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Fair<br clear="none"/>Value</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Unrealized<br clear="none"/>Loss</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;height:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equity securities</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6,349</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(151</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">6,349</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(151</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The estimated aggregate future amortization expense for intangible assets remaining as of </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> is as follows (in thousands):</font><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="4" rowspan="1"></td></tr><tr><td width="81%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="17%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2016</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">471</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2017</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">473</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2018</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">473</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2019</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">473</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2020</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">435</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Thereafter</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,639</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">4,964</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">As of </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;">, the details of the trust preferred subordinated debentures are summarized below (in thousands):</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="10" rowspan="1"></td></tr><tr><td width="21%" rowspan="1" colspan="1"></td><td width="15%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="15%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="15%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="15%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="15%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Texas Capital<br clear="none"/>Bancshares<br clear="none"/>Statutory Trust I</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Texas Capital<br clear="none"/>Statutory<br clear="none"/>Trust II</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Texas Capital<br clear="none"/>Statutory<br clear="none"/>Trust III</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Texas Capital<br clear="none"/>Statutory<br clear="none"/>Trust IV</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Texas Capital<br clear="none"/>Statutory Trust V</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Date issued</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">November 19, 2002</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">April 10, 2003</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">October 6, 2005</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">April 28, 2006</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">September 29, 2006</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Trust preferred securities issued</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$10,310</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$10,310</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$25,774</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$25,774</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">$41,238</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Floating or fixed rate securities</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Floating</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Floating</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Floating</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Floating</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Floating</font></div></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Interest rate on subordinated debentures</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">3 month LIBOR</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"> + 3.35%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">3 month LIBOR</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"> + 3.25%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">3 month LIBOR</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"> + 1.51%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">3 month LIBOR</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"> + 1.60%</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">3 month LIBOR</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"> + 1.71%</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">Maturity date</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">November 2032</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">April 2033</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">December 2035</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">June 2036</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;">December 2036</font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following tables summarize, as of </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;">, loans that have been restructured during </font><font style="font-family:inherit;font-size:10pt;">2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> (in thousands):</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="11" rowspan="1"></td></tr><tr><td width="47%" rowspan="1" colspan="1"></td><td width="16%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="15%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="15%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2015</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Number of</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Contracts</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Pre-Restructuring</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Outstanding Recorded</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Investment</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Post-Restructuring</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Outstanding  Recorded</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Investment</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial business loans</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20,459</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,992</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total new restructured loans in 2015</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">5</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20,459</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,992</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="11" rowspan="1"></td></tr><tr><td width="47%" rowspan="1" colspan="1"></td><td width="16%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="15%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="15%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2014</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;"> </font><font style="font-family:inherit;font-size:8pt;font-weight:bold;"> </font></div></td><td colspan="2" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Number of</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Contracts</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Pre-Restructuring</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Outstanding Recorded</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Investment</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Post-Restructuring</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Outstanding  Recorded</font></div><div style="text-align:center;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;font-weight:bold;">Investment</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Real estate - commercial</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,441</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,441</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Commercial business loans</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">95</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">80</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total new restructured loans in 2014</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,536</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,521</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div><div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following table provides information on how loans were modified as a restructured loan during the year ended </font><font style="font-family:inherit;font-size:10pt;">December 31, 2015</font><font style="font-family:inherit;font-size:10pt;"> and </font><font style="font-family:inherit;font-size:10pt;">2014</font><font style="font-family:inherit;font-size:10pt;"> (in thousands):</font></div><div style="line-height:120%;padding-top:6px;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="8" rowspan="1"></td></tr><tr><td width="73%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="7" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31,</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">2014</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Extended maturity</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,441</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Combination of maturity extension and payment schedule adjustment</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,992</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">80</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;border-bottom:3px double #000000;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Total</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">14,992</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,521</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div></div>

<div style="font-family:Times New Roman;font-size:10pt;"><div style="line-height:120%;padding-top:6px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">The following is a summary of securities (in thousands):</font></div><div style="line-height:120%;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="16" rowspan="1"></td></tr><tr><td width="45%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="15" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2015</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Amortized</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Cost</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Gross</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Unrealized</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Gains</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Gross</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Unrealized</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Losses</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Estimated</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Fair</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Value</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Available-for-sale securities:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Residential mortgage-backed securities</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">20,536</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,365</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">21,901</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Municipals</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">828</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">831</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equity securities(1)</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,522</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">11</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(273</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,260</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">28,886</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">1,379</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(273</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">29,992</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div></div><div style="line-height:120%;font-size:9pt;"><font style="font-family:inherit;font-size:9pt;"> </font></div><div style="line-height:120%;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="16" rowspan="1"></td></tr><tr><td width="45%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td><td width="11%" rowspan="1" colspan="1"></td><td width="1%" rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:8pt;"><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="15" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">December 31, 2014</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font><font style="font-family:inherit;font-size:8pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Amortized</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Cost</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Gross</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Unrealized</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Gains</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Gross</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Unrealized</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Losses</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Estimated</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Fair</font></div><div style="text-align:center;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;font-weight:bold;">Value</font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:28px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Available-for-sale securities:</font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="3" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Residential mortgage-backed securities</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">28,957</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,108</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">31,065</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;background-color:#cceeff;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Municipals</font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,257</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">10</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">—</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">3,267</font></div></td><td style="vertical-align:bottom;background-color:#cceeff;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:top;padding-left:44px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equity securities(1)</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,522</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">16</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(151</font></div></td><td style="vertical-align:bottom;padding-right:2px;padding-top:2px;padding-bottom:2px;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;" rowspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">7,387</font></div></td><td style="vertical-align:bottom;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">39,736</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">2,134</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">(151</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-right:2px;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">)</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"> </font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">$</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;padding-top:2px;padding-bottom:2px;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:right;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">41,719</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;background-color:#cceeff;border-top:1px solid #000000;" rowspan="1" colspan="1"><div style="text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div></td></tr></table></div><font style="font-family:inherit;font-size:10pt;"><br clear="none"/></font></div><table cellpadding="0" cellspacing="0" style="padding-top:4px;font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;" rowspan="1" colspan="1"></td><td rowspan="1" colspan="1"></td></tr><tr><td style="vertical-align:top" rowspan="1" colspan="1"><div style="line-height:120%;font-size:10pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">(1)</font></div></td><td style="vertical-align:top;" rowspan="1" colspan="1"><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">Equity securities consist of Community Reinvestment Act funds.</font></div></td></tr></table></div>

EX-101.SCH 8 tcbi-20151231.xsd XBRL TAXONOMY EXTENSION SCHEMA DOCUMENT 2110100 - Disclosure - Borrowing Arrangements link:presentationLink link:calculationLink link:definitionLink 2410402 - Disclosure - Borrowing Arrangements (Details) link:presentationLink link:calculationLink link:definitionLink 2410403 - Disclosure - Borrowing Arrangements (Details 1) link:presentationLink link:calculationLink link:definitionLink 2410404 - Disclosure - Borrowing Arrangements (Details 2) link:presentationLink link:calculationLink link:definitionLink 2310301 - Disclosure - Borrowing Arrangements (Tables) link:presentationLink link:calculationLink link:definitionLink 2106100 - Disclosure - Certain Transfers of Financial Assets link:presentationLink link:calculationLink link:definitionLink 2406402 - Disclosure - Certain Transfers of Financial Assets (Details) link:presentationLink link:calculationLink link:definitionLink 2406403 - Disclosure - Certain Transfers of Financial Assets (Details 1) link:presentationLink link:calculationLink link:definitionLink 2406404 - Disclosure - Certain Transfers of Financial Assets (Details 2) link:presentationLink link:calculationLink link:definitionLink 2406405 - Disclosure - Certain Transfers of Financial Assets (Details 3) link:presentationLink link:calculationLink link:definitionLink 2306301 - Disclosure - Certain Transfers of Financial Assets (Tables) link:presentationLink link:calculationLink link:definitionLink 2119100 - Disclosure - Commitments and Contingencies link:presentationLink link:calculationLink link:definitionLink 2419402 - Disclosure - Commitments and Contingencies (Details) link:presentationLink link:calculationLink link:definitionLink 2319301 - Disclosure - Commitments and Contingencies (Tables) link:presentationLink link:calculationLink link:definitionLink 1001000 - Statement - CONSOLIDATED BALANCE SHEETS link:presentationLink link:calculationLink link:definitionLink 1001501 - Statement - CONSOLIDATED BALANCE SHEETS (Parenthetical) link:presentationLink link:calculationLink link:definitionLink 1004000 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS link:presentationLink link:calculationLink link:definitionLink 1002000 - Statement - CONSOLIDATED STATEMENTS OF INCOME AND OTHER COMPREHENSIVE INCOME link:presentationLink link:calculationLink link:definitionLink 1003000 - Statement - CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY link:presentationLink link:calculationLink link:definitionLink 1003501 - Statement - CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (Parenthetical) link:presentationLink link:calculationLink link:definitionLink 2109100 - Disclosure - Deposits link:presentationLink link:calculationLink link:definitionLink 2409402 - Disclosure - Deposits (Details) link:presentationLink link:calculationLink link:definitionLink 2409403 - Disclosure - Deposits (Details 1) link:presentationLink link:calculationLink link:definitionLink 2409404 - Disclosure - Deposits (Details 2) link:presentationLink link:calculationLink link:definitionLink 2309301 - Disclosure - Deposits (Tables) link:presentationLink link:calculationLink link:definitionLink 2123100 - Disclosure - Derivative Financial Instruments link:presentationLink link:calculationLink link:definitionLink 2423403 - Disclosure - Derivative Financial Instruments Derivative Financial Instruments (Details 2) link:presentationLink link:calculationLink link:definitionLink 2423404 - Disclosure - Derivative Financial Instruments Derivative Financial Instruments (Details 3) link:presentationLink link:calculationLink link:definitionLink 2423402 - Disclosure - Derivative Financial Instruments (Details 1) link:presentationLink link:calculationLink link:definitionLink 2323301 - Disclosure - Derivative Financial Instruments (Tables) link:presentationLink link:calculationLink link:definitionLink 0001000 - Document - Document and Entity Information link:presentationLink link:calculationLink link:definitionLink 2117100 - Disclosure - Earnings Per Share link:presentationLink link:calculationLink link:definitionLink 2417402 - Disclosure - Earnings Per Share (Details) link:presentationLink link:calculationLink link:definitionLink 2317301 - Disclosure - Earnings Per Share (Tables) link:presentationLink link:calculationLink link:definitionLink 2114100 - Disclosure - Employee Benefits link:presentationLink link:calculationLink link:definitionLink 2414402 - Disclosure - Employee Benefits (Details) link:presentationLink link:calculationLink link:definitionLink 2414403 - Disclosure - Employee Benefits (Details 1) link:presentationLink link:calculationLink link:definitionLink 2414404 - Disclosure - Employee Benefits (Details 2) link:presentationLink link:calculationLink link:definitionLink 2414405 - Disclosure - Employee Benefits (Details 3) link:presentationLink link:calculationLink link:definitionLink 2414406 - Disclosure - Employee Benefits (Details 4) link:presentationLink link:calculationLink link:definitionLink 2314301 - Disclosure - Employee Benefits (Tables) link:presentationLink link:calculationLink link:definitionLink 2118100 - Disclosure - Fair Value Disclosures link:presentationLink link:calculationLink link:definitionLink 2418402 - Disclosure - Fair Value Disclosures (Details) link:presentationLink link:calculationLink link:definitionLink 2418403 - Disclosure - Fair Value Disclosures (Details 1) link:presentationLink link:calculationLink link:definitionLink 2418404 - Disclosure - Fair Value Disclosures (Details 2) link:presentationLink link:calculationLink link:definitionLink 2318301 - Disclosure - Fair Value Disclosures (Tables) link:presentationLink link:calculationLink link:definitionLink 2115100 - Disclosure - Financial Instruments with Off-Balance Sheet Risk link:presentationLink link:calculationLink link:definitionLink 2415402 - Disclosure - Financial Instruments with Off-Balance Sheet Risk (Details) link:presentationLink link:calculationLink link:definitionLink 2315301 - Disclosure - Financial Instruments with Off-Balance Sheet Risk (Tables) link:presentationLink link:calculationLink link:definitionLink 2107100 - Disclosure - Goodwill and Other Intangible Assets link:presentationLink link:calculationLink link:definitionLink 2407402 - Disclosure - Goodwill and Other Intangible Assets (Details) link:presentationLink link:calculationLink link:definitionLink 2407403 - Disclosure - Goodwill and Other Intangible Assets (Details 1) link:presentationLink link:calculationLink link:definitionLink 2407404 - Disclosure - Goodwill and Other Intangible Assets (Details 2) link:presentationLink link:calculationLink link:definitionLink 2407402 - Disclosure - Goodwill and Other Intangible Assets (Details) link:presentationLink link:calculationLink link:definitionLink 2307301 - Disclosure - Goodwill and Other Intangible Assets (Tables) link:presentationLink link:calculationLink link:definitionLink 2113100 - Disclosure - Income Taxes link:presentationLink link:calculationLink link:definitionLink 2413402 - Disclosure - Income Taxes (Details) link:presentationLink link:calculationLink link:definitionLink 2413403 - Disclosure - Income Taxes (Details 1) link:presentationLink link:calculationLink link:definitionLink 2313301 - Disclosure - Income Taxes (Tables) link:presentationLink link:calculationLink link:definitionLink 2103100 - Disclosure - Loans and Allowance for Credit Losses link:presentationLink link:calculationLink link:definitionLink 2403402 - Disclosure - Loans and Allowance for Credit Losses (Details) link:presentationLink link:calculationLink link:definitionLink 2403403 - Disclosure - Loans and Allowance for Credit Losses (Details 1) link:presentationLink link:calculationLink link:definitionLink 2403404 - Disclosure - Loans and Allowance for Credit Losses (Details 2) link:presentationLink link:calculationLink link:definitionLink 2403405 - Disclosure - Loans and Allowance for Credit Losses (Details 3) link:presentationLink link:calculationLink link:definitionLink 2403406 - Disclosure - Loans and Allowance for Credit Losses (Details 4) link:presentationLink link:calculationLink link:definitionLink 2403407 - Disclosure - Loans and Allowance for Credit Losses (Details 5) link:presentationLink link:calculationLink link:definitionLink 2403408 - Disclosure - Loans and Allowance for Credit Losses (Details 6) link:presentationLink link:calculationLink link:definitionLink 2403409 - Disclosure - Loans and Allowance for Credit Losses (Details 7) link:presentationLink link:calculationLink link:definitionLink 2403410 - Disclosure - Loans and Allowance for Credit Losses (Details 8) link:presentationLink link:calculationLink link:definitionLink 2303301 - Disclosure - Loans and Allowance for Credit Losses (Tables) link:presentationLink link:calculationLink link:definitionLink 2112100 - Disclosure - Long-Term Debt link:presentationLink link:calculationLink link:definitionLink 2412402 - Disclosure - Long-Term Debt (Details) link:presentationLink link:calculationLink link:definitionLink 2412403 - Disclosure - Long-Term Debt (Details 1) link:presentationLink link:calculationLink link:definitionLink 2312301 - Disclosure - Long-Term Debt (Tables) link:presentationLink link:calculationLink link:definitionLink 2128100 - Disclosure - New Accounting Standards link:presentationLink link:calculationLink link:definitionLink 2101100 - Disclosure - Operations and Summary of Significant Accounting Policies link:presentationLink link:calculationLink link:definitionLink 2201201 - Disclosure - Operations and Summary of Significant Accounting Policies (Policies) link:presentationLink link:calculationLink link:definitionLink 2105100 - Disclosure - OREO and Valuation Allowance for Losses on OREO link:presentationLink link:calculationLink link:definitionLink 2405402 - Disclosure - OREO and Valuation Allowance for Losses on OREO (Details) link:presentationLink link:calculationLink link:definitionLink 2305301 - Disclosure - OREO and Valuation Allowance for Losses on OREO (Tables) link:presentationLink link:calculationLink link:definitionLink 2120100 - Disclosure - Parent Company Only link:presentationLink link:calculationLink link:definitionLink 2420402 - Disclosure - Parent Company Only (Details) link:presentationLink link:calculationLink link:definitionLink 2420403 - Disclosure - Parent Company Only (Details 1) link:presentationLink link:calculationLink link:definitionLink 2420404 - Disclosure - Parent Company Only (Details 2) link:presentationLink link:calculationLink link:definitionLink 2320301 - Disclosure - Parent Company Only (Tables) link:presentationLink link:calculationLink link:definitionLink 2108100 - Disclosure - Premises and Equipment link:presentationLink link:calculationLink link:definitionLink 2408402 - Disclosure - Premises and Equipment (Details) link:presentationLink link:calculationLink link:definitionLink 2308301 - Disclosure - Premises and Equipment (Tables) link:presentationLink link:calculationLink link:definitionLink 2127100 - Disclosure - Quarterly Financial Data link:presentationLink link:calculationLink link:definitionLink 2427402 - Disclosure - Quarterly Financial Data (Details) link:presentationLink link:calculationLink link:definitionLink 2327301 - Disclosure - Quarterly Financial Data (Tables) link:presentationLink link:calculationLink link:definitionLink 2116100 - Disclosure - Regulatory Restrictions link:presentationLink link:calculationLink link:definitionLink 2416402 - Disclosure - Regulatory Restrictions (Details) link:presentationLink link:calculationLink link:definitionLink 2316301 - Disclosure - Regulatory Restrictions (Tables) link:presentationLink link:calculationLink link:definitionLink 2122100 - Disclosure - Related Party Transactions link:presentationLink link:calculationLink link:definitionLink 2102100 - Disclosure - Securities link:presentationLink link:calculationLink link:definitionLink 2402402 - Disclosure - Securities (Details) link:presentationLink link:calculationLink link:definitionLink 2402403 - Disclosure - Securities (Details 1) link:presentationLink link:calculationLink link:definitionLink 2402404 - Disclosure - Securities (Details 2) link:presentationLink link:calculationLink link:definitionLink 2302301 - Disclosure - Securities (Tables) link:presentationLink link:calculationLink link:definitionLink 2124100 - Disclosure - Stockholder's Equity link:presentationLink link:calculationLink link:definitionLink 2424401 - Disclosure - Stockholder's Equity (Details) link:presentationLink link:calculationLink link:definitionLink EX-101.CAL 9 tcbi-20151231_cal.xml XBRL TAXONOMY EXTENSION CALCULATION LINKBASE DOCUMENT EX-101.DEF 10 tcbi-20151231_def.xml XBRL TAXONOMY EXTENSION DEFINITION LINKBASE DOCUMENT EX-101.LAB 11 tcbi-20151231_lab.xml XBRL TAXONOMY EXTENSION LABEL LINKBASE DOCUMENT Regulatory Capital Requirements [Abstract] Required reserve balance at the Federal Reserve Federal Reserve Mandated Reserve Amount The mandated Federal Reserve amounts. Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table] Schedule of Compliance with Regulatory Capital Requirements under Banking Regulations [Table] Legal Entity [Axis] Legal Entity [Axis] Entity [Domain] Entity [Domain] Bank Subsidiaries [Member] Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items] Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items] Mortgage finance Mortgage Finance Mortgage Finance Mortgage Finance, Average Balance Mortgage Finance, Average Balance Mortgage Finance, Average Balance Common Equity Tier 1 [Abstract] Common Equity Tier 1 [Abstract] Common Equity Tier 1 [Abstract] CET1, actual amount Common Equity Tier 1 Capital Common Equity Tier 1 Capital CET1 for capital adequacy purposes, amount Common Equity Tier 1, Capital Required for Capital Adequacy Common Equity Tier 1, Capital Required for Capital Adequacy CET! to be well capitalized under prompt corrective action provisions, amount Common Equity Tier 1, Capital Required to be Well Capitalized Common Equity Tier 1, Capital Required to be Well Capitalized Total capital (to risk-weighted assets): Capital [Abstract] Total capital (to risk weighted assets), actual amount Capital Total capital (to risk weighted assets) for capital adequacy purposes, amount Capital Required for Capital Adequacy Total capital (to risk weighted assets) to be well capitalized under prompt corrective action provisions, amount Capital Required to be Well Capitalized Tier 1 capital (to risk-weighted assets): Tier One Risk Based Capital [Abstract] Tier 1 capital (to risk-weighted assets), actual amount Tier One Risk Based Capital Tier 1 capital (to risk-weighted assets) for capital adequacy purposes, amount Tier One Risk Based Capital Required for Capital Adequacy Tier 1 capital (to risk weighted assets) to be well capitalized under prompt corrective action provisions, amount Tier One Risk Based Capital Required to be Well Capitalized Tier 1 capital (to average assets): Tier One Leverage Capital [Abstract] Tier 1 capital (to average assets), actual amount Tier One Leverage Capital Tier 1 capital (to average assets) for capital adequacy purposes, amount Tier One Leverage Capital Required for Capital Adequacy Tier 1 capital (to average assets) to be well capitalized under prompt corrective action provisions, amount Tier One Leverage Capital Required to be Well Capitalized Risk Based Ratios [Abstract] Risk Based Ratios [Abstract] CET1, actual ratio Common Equity Tier 1, Capital to Risk Weighted Assets Common Equity Tier 1, Capital to Risk Weighted Assets CET1 for capital adequacy purposes, ratio Common Equity Tier 1, Capital Required for Capital Adequacy to Risk Weighted Assets Common Equity Tier 1, Capital Required for Capital Adequacy to Risk Weighted Assets CET1 to be well capitalized under prompt corrective action provisions, ratio Common Equity Tier 1, Capital Required to be Well Capitalized to Risk Weighted Assets Common Equity Tier 1, Capital Required to be Well Capitalized to Risk Weighted Assets Total capital (to risk weighted assets), actual ratio Capital to Risk Weighted Assets Total capital (to risk weighted assets) for capital adequacy purposes, ratio Capital Required for Capital Adequacy to Risk Weighted Assets Total capital (to risk weighted assets) to be well capitalized under prompt corrective action provisions, ratio Capital Required to be Well Capitalized to Risk Weighted Assets Tier 1 capital (to risk-weighted assets), actual ratio Tier One Risk Based Capital to Risk Weighted Assets Tier 1 capital (to risk-weighted assets) for capital adequacy purposes, ratio Tier One Risk Based Capital Required for Capital Adequacy to Risk Weighted Assets Tier 1 capital (to risk weighted assets) to be well capitalized under prompt corrective action provisions, ratio Tier One Risk Based Capital Required to be Well Capitalized to Risk Weighted Assets Tier 1 capital (to average assets), actual ratio Tier One Leverage Capital to Average Assets Tier 1 capital (to average assets) for capital adequacy purposes, ratio Tier One Leverage Capital Required for Capital Adequacy to Average Assets Tier 1 capital (to average assets) to be well capitalized under prompt corrective action provisions, ratio Tier One Leverage Capital Required to be Well Capitalized to Average Assets Goodwill and Intangible Assets Disclosure [Abstract] Schedule of Finite-Lived Intangible Assets [Table] Schedule of Finite-Lived Intangible Assets [Table] Finite-Lived Intangible Assets by Major Class [Axis] Finite-Lived Intangible Assets by Major Class [Axis] Finite-Lived Intangible Assets, Major Class Name [Domain] Finite-Lived Intangible Assets, Major Class Name [Domain] Customer relationships Customer Relationships [Member] Developed technology Developed Technology Rights [Member] Trade name Trade Names [Member] Finite-Lived Intangible Assets [Line Items] Finite-Lived Intangible Assets [Line Items] Total intangible assets Intangible Assets, Net (Including Goodwill) Intangible assets acquired Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Intangible Assets, Other than Goodwill Useful life Finite-Lived Intangible Asset, Useful Life Amortization expense related to intangible assets Amortization of Intangible Assets Available-for-sale Securities [Abstract] Schedule of Available-for-sale Securities [Table] Schedule of Available-for-sale Securities [Table] Major Types of Debt and Equity Securities [Axis] Major Types of Debt and Equity Securities [Axis] Major Types of Debt and Equity Securities [Domain] Major Types of Debt and Equity Securities [Domain] Residential mortgage-backed securities Collateralized Mortgage Backed Securities [Member] Municipals US States and Political Subdivisions Debt Securities [Member] Equity securities Equity Securities [Member] Available-for-sale securities: Schedule of Available-for-sale Securities [Line Items] Amortized Cost Available-for-sale Securities, Amortized Cost Basis Gross Unrealized Gains Available-for-sale Securities, Accumulated Gross Unrealized Gain, before Tax Gross Unrealized Losses Available-for-sale Securities, Accumulated Gross Unrealized Loss, before Tax Estimated Fair Value Available-for-sale Securities Earnings Per Share [Abstract] Earnings Per Share Earnings Per Share [Text Block] Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract] Schedule of loans held for investments Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block] Schedule of the credit risk profile of loan portfolio by internally assigned grades and nonaccrual status Financing Receivable Credit Quality Indicators [Table Text Block] Schedule of activity in the reserve for loan losses by portfolio segment Allowance For Credit Losses On Financing Receivables By Portfolio Segment [Table Text Block] Tabular disclosure of financing receivables by portfolio segment (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account. Schedule of recorded investment in loans related to each balance in the allowance for loan losses Schedule Of Financing Receivables Related To Allowance For Loan Losses By Portfolio Category Disaggregated Based On Impairment Methodology [Table Text Block] Schedule of impaired loans, by portfolio class Impaired Financing Receivables [Table Text Block] Schedule of an age analysis of accruing past due loans Past Due Financing Receivables [Table Text Block] Schedule of loans that have been restructured Troubled Debt Restructurings on Financing Receivables [Table Text Block] Risks and Uncertainties [Abstract] Financial Instruments with Off-Balance Sheet Risk Concentration Risk Disclosure [Text Block] Fair Value Disclosures [Abstract] Schedule of assets and liabilities measured at fair value Fair Value Measurements, Recurring and Nonrecurring, Valuation Techniques [Table Text Block] Summary of the carrying amounts and estimated fair values of financial instruments Fair Value, by Balance Sheet Grouping [Table Text Block] Debt Disclosure [Abstract] Schedule Of Borrowings [Table] Schedule Of Borrowings [Table] Schedule of borrowings by type. Borrowings Type [Axis] Borrowings Type [Axis] Borrowings by type. Borrowings Type [Domain] Borrowings Type [Domain] Borrowings by type. FHLB borrowings Federal Home Loan Bank Advances Exclude Interest [Member] Subordinated notes Senior Notes [Member] Trust preferred subordinated debentures Subordinated Debt [Member] Debt Instrument [Line Items] Debt Instrument [Line Items] Federal funds purchased and repurchase agreements Federal Funds Purchased and Securities Sold under Agreements to Repurchase Within One Year Borrowed Funds Maturities Repayments Of Principal In Next Twelve Months Amount of borrowed funds maturing within the next twelve months following the date of the latest balance sheet presented in the financial statements. After One But Within Three Years Borrowed Funds Maturing In Years Two And Three Amount of borrowed funds maturing in years two and three following the date of the latest balance sheet presented in the financial statements. After Three But Within Five Years Borrowed Funds Maturing In Years Four And Five Amount of borrowed funds maturing in years four and five following the date of the latest balance sheet presented in the financial statements. After Five Years Borrowed Funds Maturities Repayments Of Principal After Year Five Amount of borrowed funds maturities after year five following the date of the latest balance sheet presented in the financial statements. Total Debt and Capital Lease Obligations Goodwill Goodwill, Impaired, Accumulated Impairment Loss [Abstract] Gross Goodwill, Gross Accumulated Amortization Goodwill, Impaired, Accumulated Impairment Loss Net Goodwill Intangible assets—customer relationships and trademarks Finite-Lived Intangible Assets, Net [Abstract] Gross Finite-Lived Intangible Assets, Gross Accumulated Amortization Finite-Lived Intangible Assets, Accumulated Amortization Net Finite-Lived Intangible Assets, Net Total goodwill and intangible assets Goodwill Impaired and Finite-Lived Intangible Assets, Net [Abstract] Goodwill Impaired and Finite-Lived Intangible Assets, Net [Abstract] Gross Goodwill And Intangible Assets Gross Sum of the gross carrying amounts before accumulated amortization and any impairment charges as of the balance sheet date of goodwill and all intangible assets having statutory or estimated useful lives. The aggregate gross carrying amount (including any previously recognized impairment charges) of a major finite-lived intangible asset class. A major class is composed of intangible assets that can be grouped together because they are similar, either by their nature or by their use in the operations of a company. Accumulated Amortization Goodwill And Intangible Assets Accumulated Amortization Net Income Tax Disclosure [Abstract] Components of Deferred Tax Assets and Liabilities [Abstract] Components of Deferred Tax Assets and Liabilities [Abstract] Deferred tax assets: Components of Deferred Tax Assets [Abstract] Allowance for credit losses Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Provision for Loan Losses Loan origination fees Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Other Stock compensation Deferred Tax Assets, Tax Deferred Expense, Compensation and Benefits, Share-based Compensation Cost Mark to market on mortgage loans Deferred Tax Assets, Other Comprehensive Loss Reserve for potential mortgage loan repurchases Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Reserves Non-accrual interest Deferred Tax Assets Non Accrual Interest The tax effect as of the balance sheet date of the amount of the estimated future tax effects arising from non-accrual interest. Deferred lease expense Deferred Tax Assets, Tax Deferred Expense, Reserves and Accruals, Deferred Rent Depreciation Deferred Tax Assets, Property, Plant and Equipment OREO valuation allowance Deferred Tax Asset, Other Real Estate Owned, Valuation Allowance Deferred Tax Asset, Other Real Estate Owned, Valuation Allowance Other Deferred Tax Assets, Other Total deferred tax assets Deferred Tax Assets, Net of Valuation Allowance Deferred tax liabilities: Components of Deferred Tax Liabilities [Abstract] Loan origination costs Deferred Tax Liabilities, Deferred Expense, Deferred Financing Costs Leases Deferred Tax Liabilities, Leasing Arrangements Depreciation Deferred Tax Liabilities, Property, Plant and Equipment Unrealized gain on securities Deferred Tax Liabilities, Other Comprehensive Income Other Deferred Tax Liabilities, Other Total deferred tax liabilities Deferred Tax Liabilities, Net Net deferred tax asset Deferred Tax Assets, Net Effective Income Tax Rate, Continuing Operations, Tax Rate Reconciliation [Abstract] Effective Income Tax Rate Reconciliation, Percent [Abstract] Tax at U.S. statutory rate Effective Income Tax Rate Reconciliation, at Federal Statutory Income Tax Rate, Percent State taxes (percent) Effective Income Tax Rate Reconciliation, State and Local Income Taxes, Percent Non-deductible expenses (percent) Effective Income Tax Rate Reconciliation, Nondeductible Expense, Percent Non-taxable income (percent) Effective Income Tax Rate Reconciliation, Tax Exempt Income, Percent Other (percent) Effective Income Tax Rate Reconciliation, Other Adjustments, Percent Total (percent) Effective Income Tax Rate Reconciliation, Percent Deposits [Abstract] Deposits Deposit Liabilities Disclosures [Text Block] Derivative Instruments and Hedging Activities Disclosure [Abstract] Derivative [Table] Derivative [Table] Hedging Designation [Axis] Hedging Designation [Axis] Hedging Designation [Domain] Hedging Designation [Domain] Non-hedging Not Designated as Hedging Instrument [Member] Counterparty Name [Axis] Counterparty Name [Axis] Counterparty Name [Domain] Counterparty Name [Domain] Financial institution counterparties Financial institution counterparties [Member] Financial institution counterparties [Member] Customer counterparties Customer counterparties [Member] Customer counterparties [Member] Receivable Type [Axis] Receivable Type [Axis] Receivable [Domain] Receivable [Domain] Commercial loan/lease Loans Receivable [Member] Derivative Instrument [Axis] Derivative Instrument [Axis] Derivative Contract [Domain] Derivative Contract [Domain] Interest rate swap Interest Rate Swap [Member] Interest rate cap Interest Rate Cap [Member] Interest rate contract Interest Rate Contract [Member] Transaction Type [Axis] Transaction Type [Axis] Transaction [Domain] Transaction [Domain] Loan purchase commitments Loan Purchase Commitments [Member] Loan purchase commitments Forward Contracts [Member] Derivative [Line Items] Derivative [Line Items] Notional amount Derivative, Notional Amount Estimated fair value, asset derivative Derivative Asset, Fair Value, Gross Asset Estimated fair value, liability derivative Derivative Liability, Fair Value, Gross Liability Offsetting derivative liabilities Derivative Asset, Fair Value, Gross Liability Offsetting derivative assets Derivative Liability, Fair Value, Gross Asset Net asset derivatives included in the consolidated balance sheets Derivative Asset Net liability derivatives included in the consolidated balance sheets Derivative Liability Subordinated Borrowings [Abstract] Schedule of Financial Instruments Subject to Mandatory Redemption [Table] Schedule of Financial Instruments Subject to Mandatory Redemption [Table] Capital Securities By Trust [Axis] Capital Securities By Trust [Axis] Capital securities by trust. Capital Securities By Trust [Domain] Capital Securities By Trust [Domain] Capital securities by trust Texas Capital Bancshares Statutory Trust I Texas Capital Bancshares Statutory I [Member] Texas Capital Statutory Trust II Texas Capital Bancshares Statutory I I [Member] Texas Capital Statutory Trust III Texas Capital Bancshares Statutory I I I [Member] Texas Capital Statutory Trust IV Texas Capital Bancshares Statutory I V [Member] Texas Capital Statutory Trust V Texas Capital Bancshares Statutory V [Member] Variable Rate [Axis] Variable Rate [Axis] Variable Rate [Domain] Variable Rate [Domain] LIBOR London Interbank Offered Rate (LIBOR) [Member] Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items] Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items] Date issued Debt Instrument, Issuance Date Trust preferred securities issued Subordinated Debt Floating or fixed rate securities Debt Instrument, Interest Rate Terms Interest rate on subordinated debentures Debt Instrument, Description of Variable Rate Basis Interest rate on subordinated debentures, spread on variable rate Debt Instrument, Basis Spread on Variable Rate Maturity date Debt Instrument, Maturity Date Range, End Numerator: Net Income (Loss) Available to Common Stockholders, Basic [Abstract] Net income Net Income (Loss) Attributable to Parent Preferred stock dividends Preferred Stock Dividends, Income Statement Impact Net income available to common stockholders Net Income (Loss) Available to Common Stockholders, Basic Denominator: Weighted Average Number of Shares Outstanding, Diluted [Abstract] Denominator for basic earnings per share—weighted average shares Weighted Average Number of Shares Outstanding, Basic EX-101.PRE 12 tcbi-20151231_pre.xml XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE DOCUMENT GRAPHIC 13 a12312015-10_chartx04396a01.jpg STOCK PERFORMANCE GRAPH begin 644 a12312015-10_chartx04396a01.jpg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�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end GRAPHIC 14 ernstyounga02.jpg GRAPHIC begin 644 ernstyounga02.jpg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ernstyoungllpa01.jpg GRAPHIC begin 644 ernstyoungllpa01.jpg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htm IDEA: XBRL DOCUMENT v3.3.1.900

Document and Entity Information - USD ($)
12 Months Ended

Dec. 31, 2015

Feb. 16, 2016

Jun. 30, 2015

Document And Entity Information [Abstract]

Entity Registrant Name TEXAS CAPITAL BANCSHARES INC/TX

Entity Central Index Key 0001077428

Current Fiscal Year End Date --12-31

Entity Filer Category Large Accelerated Filer

Document Type 10-K

Document Period End Date Dec. 31, 2015

Document Fiscal Year Focus 2015

Document Fiscal Period Focus (Q1,Q2,Q3,FY) FY

Amendment Flag false

Entity Common Stock, Shares Outstanding 45,885,829

Entity Well-known Seasoned Issuer Yes

Entity Voluntary Filers No

Entity Current Reporting Status Yes

Entity Public Float $ 1,563,789,052

X

- Definition
If the value is true, then the document is an amendment to previously-filed/accepted document.
+ References
No definition available.
+ Details

Name: dei_AmendmentFlag

Namespace Prefix: dei_

Data Type: xbrli:booleanItemType

Balance Type: na

Period Type: duration

X

- Definition
End date of current fiscal year in the format --MM-DD.
+ References
No definition available.
+ Details

Name: dei_CurrentFiscalYearEndDate

Namespace Prefix: dei_

Data Type: xbrli:gMonthDayItemType

Balance Type: na

Period Type: duration

X

- Definition
This is focus fiscal period of the document report. For a first quarter 2006 quarterly report, which may also provide financial information from prior periods, the first fiscal quarter should be given as the fiscal period focus. Values: FY, Q1, Q2, Q3, Q4, H1, H2, M9, T1, T2, T3, M8, CY.
+ References
No definition available.
+ Details

Name: dei_DocumentFiscalPeriodFocus

Namespace Prefix: dei_

Data Type: dei:fiscalPeriodItemType

Balance Type: na

Period Type: duration

X

- Definition
This is focus fiscal year of the document report in CCYY format. For a 2006 annual report, which may also provide financial information from prior periods, fiscal 2006 should be given as the fiscal year focus. Example: 2006.
+ References
No definition available.
+ Details

Name: dei_DocumentFiscalYearFocus

Namespace Prefix: dei_

Data Type: xbrli:gYearItemType

Balance Type: na

Period Type: duration

X

- Definition
The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented. If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.
+ References
No definition available.
+ Details

Name: dei_DocumentPeriodEndDate

Namespace Prefix: dei_

Data Type: xbrli:dateItemType

Balance Type: na

Period Type: duration

X

- Definition
The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word "Other".
+ References
No definition available.
+ Details

Name: dei_DocumentType

Namespace Prefix: dei_

Data Type: dei:submissionTypeItemType

Balance Type: na

Period Type: duration

X

- Definition
A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation 12B
-Number 240
-Section 12b
-Subsection 1
+ Details

Name: dei_EntityCentralIndexKey

Namespace Prefix: dei_

Data Type: dei:centralIndexKeyItemType

Balance Type: na

Period Type: duration

X

- Definition
Indicate number of shares or other units outstanding of each of registrant's classes of capital or common stock or other ownership interests, if and as stated on cover of related periodic report. Where multiple classes or units exist define each class/interest by adding class of stock items such as Common Class A [Member], Common Class B [Member] or Partnership Interest [Member] onto the Instrument [Domain] of the Entity Listings, Instrument.
+ References
No definition available.
+ Details

Name: dei_EntityCommonStockSharesOutstanding

Namespace Prefix: dei_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Indicate "Yes" or "No" whether registrants (1) have filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that registrants were required to file such reports), and (2) have been subject to such filing requirements for the past 90 days. This information should be based on the registrant's current or most recent filing containing the related disclosure.
+ References
No definition available.
+ Details

Name: dei_EntityCurrentReportingStatus

Namespace Prefix: dei_

Data Type: dei:yesNoItemType

Balance Type: na

Period Type: duration

X

- Definition
Indicate whether the registrant is one of the following: (1) Large Accelerated Filer, (2) Accelerated Filer, (3) Non-accelerated Filer, (4) Smaller Reporting Company (Non-accelerated) or (5) Smaller Reporting Accelerated Filer. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.
+ References
No definition available.
+ Details

Name: dei_EntityFilerCategory

Namespace Prefix: dei_

Data Type: dei:filerCategoryItemType

Balance Type: na

Period Type: duration

X

- Definition
State aggregate market value of voting and non-voting common equity held by non-affiliates computed by reference to price at which the common equity was last sold, or average bid and asked price of such common equity, as of the last business day of registrant's most recently completed second fiscal quarter. The public float should be reported on the cover page of the registrants form 10K.
+ References
No definition available.
+ Details

Name: dei_EntityPublicFloat

Namespace Prefix: dei_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation 12B
-Number 240
-Section 12b
-Subsection 1
+ Details

Name: dei_EntityRegistrantName

Namespace Prefix: dei_

Data Type: xbrli:normalizedStringItemType

Balance Type: na

Period Type: duration

X

- Definition
Indicate "Yes" or "No" if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act.
+ References
No definition available.
+ Details

Name: dei_EntityVoluntaryFilers

Namespace Prefix: dei_

Data Type: dei:yesNoItemType

Balance Type: na

Period Type: duration

X

- Definition
Indicate "Yes" or "No" if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Is used on Form Type: 10-K, 10-Q, 8-K, 20-F, 6-K, 10-K/A, 10-Q/A, 20-F/A, 6-K/A, N-CSR, N-Q, N-1A.
+ References
No definition available.
+ Details

Name: dei_EntityWellKnownSeasonedIssuer

Namespace Prefix: dei_

Data Type: dei:yesNoItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: tcbi_DocumentAndEntityInformationAbstract

Namespace Prefix: tcbi_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 17 R2.htm IDEA: XBRL DOCUMENT v3.3.1.900

CONSOLIDATED BALANCE SHEETS - USD ($)
$ in Thousands

Dec. 31, 2015

Dec. 31, 2014

Assets

Cash and due from banks $ 109,496 $ 96,524

Interest-bearing deposits 1,626,374 1,233,990

Federal funds sold and securities purchased under resale agreements 55,000 0

Securities, available-for-sale 29,992 41,719

Loans held for sale, at fair value 86,075 0

Loans held for investment, mortgage finance 4,966,276 4,102,125

Loans held for investment (net of unearned income) 11,745,674 10,154,887

Less: Allowance for loan losses (141,111) (100,954)

Loans held for investment, net 16,570,839 14,156,058

Mortgage servicing rights, net 423 0

Premises and equipment, net 23,561 23,135

Accrued interest receivable and other assets 387,419 333,699

Goodwill and intangible assets, net 19,960 20,588

Total assets 18,909,139 15,905,713

Deposits:

Non-interest-bearing 6,386,911 5,011,619

Interest-bearing 8,697,708 7,348,972

Interest-bearing in foreign branches 0 312,709

Total deposits 15,084,619 12,673,300

Accrued interest payable 5,097 4,747

Other liabilities 153,433 151,389

Federal funds purchased and repurchase agreements 143,051 92,676

Other borrowings 1,500,000 1,100,005

Subordinated notes 286,000 286,000

Trust preferred subordinated debentures 113,406 113,406

Total liabilities 17,285,606 14,421,523

Comprehensive income:

Preferred stock, $.01 par value, $1,000 liquidation value: Authorized shares - 10,000,000; Issued shares - 6,000,000 shares issued at December 31, 2014 and 2013 150,000 150,000

Common stock, $.01 par value: Authorized shares - 100,000,000; Issued shares - 45,735,424 and 41,036,787 at December 31, 2014 and 2013, respectively 459 457

Additional paid-in capital 714,546 709,738

Retained earnings 757,818 622,714

Treasury stock (shares at cost: 417 at December 31, 2015 and 2014) (8) (8)

Accumulated other comprehensive income, net of taxes 718 1,289

Total stockholders’ equity 1,623,533 1,484,190

Total liabilities and stockholders’ equity $ 18,909,139 $ 15,905,713

X

- Definition
Carrying amount of Goodwill as of the balance sheet date, net of amortization recognized prior to the adoption of any changes in GAAP; and carrying amount of intangible assets (nonphysical assets), net of accumulated amortization.
+ References
No definition available.
+ Details

Name: tcbi_GoodwillAndIntangibleAssetsNet

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Mortgage Finance
+ References
No definition available.
+ Details

Name: tcbi_MortgageFinance

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e637-108580

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 14
-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e681-108580

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 14A
-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669686-108580

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 31
-Article 5

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Article 3
+ Details

Name: us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Excess of issue price over par or stated value of the entity's capital stock and amounts received from other transactions involving the entity's stock or stockholders. Includes adjustments to additional paid in capital. Some examples of such adjustments include recording the issuance of debt with a beneficial conversion feature and certain tax consequences of equity instruments awarded to employees. Use this element for the aggregate amount of additional paid-in capital associated with common and preferred stock. For additional paid-in capital associated with only common stock, use the element additional paid in capital, common stock. For additional paid-in capital associated with only preferred stock, use the element additional paid in capital, preferred stock.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.30(a)(1))
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 31
-Article 5
+ Details

Name: us-gaap_AdditionalPaidInCapital

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.18)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 12
-Article 7

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 18
-Article 5
+ Details

Name: us-gaap_Assets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_AssetsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 25
-Paragraph 1
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=28360136&loc=d3e22054-111558

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 5
-Subparagraph (aa)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 45
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6871852&loc=d3e26610-111562
+ Details

Name: us-gaap_AvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
For banks and other depository institutions: Includes cash on hand (currency and coin), cash items in process of collection, noninterest bearing deposits due from other financial institutions (including corporate credit unions), and noninterest bearing balances with the Federal Reserve Banks, Federal Home Loan Banks and central banks.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Cash
-URI http://asc.fasb.org/extlink&oid=6506951

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Cash Equivalents
-URI http://asc.fasb.org/extlink&oid=6507016

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.1)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 1, 2, 3
-Article 9
+ Details

Name: us-gaap_CashAndDueFromBanks

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Aggregate par or stated value of issued nonredeemable common stock (or common stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable common shares, par value and other disclosure concepts are in another section within stockholders' equity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.29)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 30
-Article 5
+ Details

Name: us-gaap_CommonStockValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.12)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 12
-Article 9
+ Details

Name: us-gaap_Deposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_DepositsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount after offset of short term borrowing where a bank borrows, at the federal funds rate, from another bank and securities that an entity sells and agrees to repurchase at a specified date for a specified price.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.13(1))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 13
-Subparagraph 1
-Article 9
+ Details

Name: us-gaap_FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The amount outstanding of funds lent to other depository institutions, securities brokers, or securities dealers in the form of Federal Funds sold; for example, immediately available funds lent under agreements or contracts that mature in one business day or roll over under a continuing contract, regardless of the nature of the transaction or the collateral involved, excluding overnight lending for commercial and industrial purposes. Also include Federal Funds sold under agreements to resell on a gross basis, excluding (1) sales of term Federal Funds, (2) due bills representing purchases of securities or other assets by the reporting bank that have not yet been delivered and similar instruments, (3) resale agreements that mature in more than one business day involving assets other than securities, and (4) yield maintenance dollar repurchase agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.3)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Article 9
+ Details

Name: us-gaap_FederalFundsSold

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Total amount of interest-bearing domestic deposit liabilities, which may include brokered, retail, demand, checking, notice of withdrawal, money market and other interest-bearing deposits.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.12)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 12
-Article 9
+ Details

Name: us-gaap_InterestBearingDepositLiabilitiesDomestic

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of foreign interest-bearing deposits held by the entity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 235
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-05(a))
-URI http://asc.fasb.org/extlink&oid=6882215&loc=d3e537907-122884

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.12)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 05
-Paragraph a
-Article 9

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 12
-Article 9
+ Details

Name: us-gaap_InterestBearingDepositLiabilitiesForeign

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
For banks and other depository institutions (including Federal Reserve Banks, if applicable): Interest-bearing deposits in other financial institutions for relatively short periods of time including, for example, certificates of deposits, which are presented separately from cash on the balance sheet.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.2)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section 45
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6476743&loc=d3e59706-112781

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 2
-Article 9
+ Details

Name: us-gaap_InterestBearingDepositsInBanks

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of interest payable on debt, including, but not limited to, trade payables.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.15(5))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-03.15(a))
-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 15
-Subparagraph a
-Article 7

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 15
-Subparagraph 5
-Article 9
+ Details

Name: us-gaap_InterestPayableCurrentAndNoncurrent

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.19-26)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682
+ Details

Name: us-gaap_Liabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.32)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 25
-Article 7

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 32
-Article 5
+ Details

Name: us-gaap_LiabilitiesAndStockholdersEquity

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-Subparagraph (g)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.7(d))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 30
-Section 50
-Paragraph 2
-Subparagraph (b)(1)(ii)
-URI http://asc.fasb.org/extlink&oid=6379141&loc=d3e15032-111544

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 7
-Subparagraph d
-Article 9

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 6
-Section L
-Subsection 1
+ Details

Name: us-gaap_LoansAndLeasesReceivableAllowance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount before allowance and after deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5074-111524
+ Details

Name: us-gaap_LoansAndLeasesReceivableNetOfDeferredIncome

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.7)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878
+ Details

Name: us-gaap_LoansAndLeasesReceivableNetReportedAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value portion of loans held-for-sale including, but not limited to, mortgage loans and finance receivables.
+ References
No definition available.
+ Details

Name: us-gaap_LoansHeldForSaleFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of domestic noninterest-bearing deposits held by the entity, which may include demand deposits, checking, brokered and retail deposits.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.12)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 12
-Article 9
+ Details

Name: us-gaap_NoninterestBearingDepositLiabilitiesDomestic

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The aggregate carrying amounts, as of the balance sheet date, of assets not separately disclosed in the balance sheet.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.17)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 10
-Article 7

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 17
-Article 5
+ Details

Name: us-gaap_OtherAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The carrying amount as of the balance sheet date for the aggregate of other miscellaneous borrowings owed by the reporting entity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.13,16)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 13, 16
-Article 9
+ Details

Name: us-gaap_OtherBorrowings

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The aggregate carrying amount, as of the balance sheet date, of liabilities not separately disclosed in the balance sheet.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.15)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 15
-Article 9
+ Details

Name: us-gaap_OtherLiabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Aggregate par or stated value of issued nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable preferred shares, par value and other disclosure concepts are in another section within stockholders' equity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.3-04)
-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.28)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Article 3

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 29
-Article 5
+ Details

Name: us-gaap_PreferredStockValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.13)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 360
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 13
-Subparagraph a
-Article 5

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 8
-Article 7
+ Details

Name: us-gaap_PropertyPlantAndEquipmentNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The cumulative amount of the reporting entity's undistributed earnings or deficit.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.31(a)(3))
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 31
-Article 5

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Article 3
+ Details

Name: us-gaap_RetainedEarningsAccumulatedDeficit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Including the current and noncurrent portions, carrying value as of the balance sheet date of Notes with the highest claim on the assets of the issuer in case of bankruptcy or liquidation (with maturities initially due after one year or beyond the operating cycle if longer). Senior note holders are paid off in full before any payments are made to junior note holders.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-03.16(a))
-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.16)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 16
-Article 9
+ Details

Name: us-gaap_SeniorNotes

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Fair value of an asset representing net future revenue from contractually specified servicing fees, late charges, and other ancillary revenues, in excess of future costs related to servicing arrangements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 50
-Section 50
-Paragraph 3
-Subparagraph (a)(1)
-URI http://asc.fasb.org/extlink&oid=7882072&loc=d3e122625-111746
+ Details

Name: us-gaap_ServicingAssetAtFairValueAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SAB TOPIC 4.E)
-URI http://asc.fasb.org/extlink&oid=27010918&loc=d3e74512-122707

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.29-31)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 29, 30, 31
-Article 5

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 4
-Section E
+ Details

Name: us-gaap_StockholdersEquity

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_StockholdersEquityAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Including the current and noncurrent portions, carrying value as of the balance sheet date of subordinated debt (with initial maturities beyond one year or beyond the operating cycle if longer). Subordinated debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-03.16)
-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.16)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Article 5
-Subsection 19, 20, 22

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 16
-Article 9

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 10
-Section F
+ Details

Name: us-gaap_SubordinatedDebt

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The amount allocated to treasury stock. Treasury stock is common and preferred shares of an entity that were issued, repurchased by the entity, and are held in its treasury.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 30
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6405834&loc=d3e23315-112656
+ Details

Name: us-gaap_TreasuryStockValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

XML 18 R3.htm IDEA: XBRL DOCUMENT v3.3.1.900

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($)

Dec. 31, 2015

Dec. 31, 2014

Statement of Financial Position [Abstract]

Preferred stock, Liquidation value $ 1,000 $ 1,000

Preferred stock, par value $ 0.01 $ 0.01

Preferred stock, shares authorized 10,000,000 10,000,000

Preferred stock, shares issued 6,000,000 6,000,000

Common stock, par value $ 0.01 $ 0.01

Common stock, shares authorized 100,000,000 100,000,000

Common stock, shares issued 45,874,224 45,735,424

Treasury stock, shares 417 417

X

- Definition
Face amount or stated value per share of common stock.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.29)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 30
-Article 5
+ Details

Name: us-gaap_CommonStockParOrStatedValuePerShare

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
The maximum number of common shares permitted to be issued by an entity's charter and bylaws.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.29)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 30
-Article 5
+ Details

Name: us-gaap_CommonStockSharesAuthorized

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.29)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 30
-Article 5
+ Details

Name: us-gaap_CommonStockSharesIssued

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Value of the difference between preference in liquidation and the par or stated values of the preferred shares.
+ References
No definition available.
+ Details

Name: us-gaap_PreferredStockLiquidationPreferenceValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Face amount or stated value per share of preferred stock nonredeemable or redeemable solely at the option of the issuer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.28)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 29
-Article 5
+ Details

Name: us-gaap_PreferredStockParOrStatedValuePerShare

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
The maximum number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) permitted to be issued by an entity's charter and bylaws.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.28)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 29
-Article 5
+ Details

Name: us-gaap_PreferredStockSharesAuthorized

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Total number of nonredeemable preferred shares (or preferred stock redeemable solely at the option of the issuer) issued to shareholders (includes related preferred shares that were issued, repurchased, and remain in the treasury). May be all or portion of the number of preferred shares authorized. Excludes preferred shares that are classified as debt.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.28)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 29
-Article 5
+ Details

Name: us-gaap_PreferredStockSharesIssued

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_StatementOfFinancialPositionAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Number of common and preferred shares that were previously issued and that were repurchased by the issuing entity and held in treasury on the financial statement date. This stock has no voting rights and receives no dividends.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.28,29)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 29, 30
-Article 5
+ Details

Name: us-gaap_TreasuryStockShares

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

XML 19 R4.htm IDEA: XBRL DOCUMENT v3.3.1.900

CONSOLIDATED STATEMENTS OF INCOME AND OTHER COMPREHENSIVE INCOME - USD ($)
$ in Thousands
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Interest income

Interest and fees on loans $ 594,729 $ 511,606 $ 441,314

Securities 1,254 1,828 3,015

Federal funds sold 682 207 65

Deposits in other banks 6,293 906 231

Total interest income 602,958 514,547 444,625

Interest expense

Deposits 24,578 18,145 14,030

Federal funds purchased 284 373 686

Repurchase agreements 19 17 18

Other borrowings 2,232 356 515

Subordinated notes 16,764 16,202 7,327

Trust preferred subordinated debentures 2,551 2,489 2,536

Total interest expense 46,428 37,582 25,112

Net interest income 556,530 476,965 419,513

Provision for credit losses 53,250 22,000 19,000

Net interest income after provision for credit losses 503,280 454,965 400,513

Non-interest income

Service charges on deposit accounts 8,323 7,253 6,783

Trust fee income 5,022 4,937 5,023

Bank owned life insurance (BOLI) income 2,011 2,067 1,917

Brokered loan fees 18,661 13,981 16,980

Swap fees 4,275 2,992 5,520

Other 9,446 11,281 7,801

Total non-interest income 47,738 42,511 44,024

Non-interest expense

Salaries and employee benefits 192,610 169,051 157,752

Net occupancy expense 23,182 20,866 16,821

Marketing 16,491 15,989 16,203

Legal and professional 22,150 21,182 18,104

Communications and technology 21,425 18,667 13,762

FDIC insurance assessment 17,231 10,919 8,057

Other 33,434 28,440 26,030

Total non-interest expense 326,523 285,114 256,729

Income before income taxes 224,495 212,362 187,808

Income tax expense 79,641 76,010 66,757

Net income 144,854 136,352 121,051

Preferred stock dividends (9,750) (9,750) (7,394)

Net income available to common stockholders 135,104 126,602 113,657

Other comprehensive gain (loss)

Change in unrealized gain on available-for-sale securities arising during period, before tax (877) (522) (2,529)

Income tax benefit related to unrealized loss on available-for-sale securities (306) (183) (885)

Other comprehensive loss net of tax (571) (339) (1,644)

Comprehensive income $ 144,283 $ 136,013 $ 119,407

Basic earnings per common share

Basic earnings per common share $ 2.95 $ 2.93 $ 2.78

Diluted earnings per common share

Diluted earnings per common share $ 2.91 $ 2.88 $ 2.72

X

- References
No definition available.
+ Details

Name: tcbi_MortgageAndPremiumFinanceLoanFees

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
This item represents the tax effects occurring during the period which are related to the net unrealized gain (loss) resulting from changes in the fair [carrying] value during the period of available-for-sale securities. Such tax affects would have been charged or credited directly to other comprehensive income or to related components of shareholders' equity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 20
-Section 45
-Paragraph 11
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=18498875&loc=d3e39076-109324

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 9
-Subparagraph (d)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27357-111563
+ Details

Name: us-gaap_AvailableForSaleSecuritiesIncomeTaxExpenseOnChangeInUnrealizedHoldingGainOrLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Earnings on or other increases in the value of the cash surrender value of bank owned life insurance policies.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.13)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882
+ Details

Name: us-gaap_BankOwnedLifeInsuranceIncome

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The amount of expense in the period for communications and data processing expense.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.4)
-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688
+ Details

Name: us-gaap_CommunicationsAndInformationTechnology

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Other Comprehensive Income
-URI http://asc.fasb.org/extlink&oid=6519514

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Comprehensive Income
-URI http://asc.fasb.org/extlink&oid=35737396

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e557-108580

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Net Income
-URI http://asc.fasb.org/extlink&oid=6518256
+ Details

Name: us-gaap_ComprehensiveIncomeNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.21)
-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 55
-Paragraph 52
-URI http://asc.fasb.org/extlink&oid=32703322&loc=d3e4984-109258

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1252-109256

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.19)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.23)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 18
-Article 7

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 20
-Article 5

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 21
-Article 9
+ Details

Name: us-gaap_EarningsPerShareBasic

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_EarningsPerShareBasicAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.21)
-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1252-109256

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 18
-Article 7

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 20
-Article 5

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 21
-Article 9
+ Details

Name: us-gaap_EarningsPerShareDiluted

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_EarningsPerShareDilutedAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of expense for Federal Deposit Insurance Corporation (FDIC) insurance.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.14)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882
+ Details

Name: us-gaap_FederalDepositInsuranceCorporationPremiumExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Includes amounts charged depositors for: (1) maintenance of their accounts (maintenance charges); (2) failure to maintain specified minimum balances on account; (3) exceeding the number of checks or transactions allowed to be processed in a given period; (4) checks drawn on no minimum balance deposit accounts; (5) withdrawals from nontransaction deposit accounts; (6) closing savings accounts before a specified minimum period of time has elapsed; (7) accounts which have remained inactive for extended periods of time or which have become dormant; (8) use of automated teller machines or remote service units; (9) checks drawn against insufficient funds that the bank assesses regardless of whether it decides to pay, return or hold the check; (10) issuing stop payment orders; (11) certifying checks; and (12) accumulating or disbursing funds deposited in IRAs or Keogh Plan accounts when not handled by the bank's trust department. This item does not include penalties assessed on the early withdrawal of time deposits.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.13 (d))
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 13
-Article 9
+ Details

Name: us-gaap_FeesAndCommissionsDepositorAccounts

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Income from services rendered by trust departments or by any consolidated subsidiaries acting in a fiduciary capacity, including fees earned for (1) acting as an agent for fiduciary placement and loans and (2) custody or investment advisory services when such fees are not separately billed to the customer. This item excludes commissions and fees received for the accumulation or disbursement of funds deposited to Individual Retirement or Keogh plan accounts when such are not handled by the reporting entity's trust department.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.13 (a))
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 13
-Article 9
+ Details

Name: us-gaap_FeesAndCommissionsFiduciaryAndTrustActivities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Fee and commission revenue earned from sources not otherwise specified in the existing taxonomy.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.13)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 13
-Article 9
+ Details

Name: us-gaap_FeesAndCommissionsOther

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
This element represents the income or loss from continuing operations attributable to the economic entity which may also be defined as revenue less expenses from ongoing operations, after income or loss from equity method investments, but before income taxes, extraordinary items, and noncontrolling interest.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 940
-SubTopic 20
-Section 25
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=35710027&loc=d3e41242-110953

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 10
-Article 5
+ Details

Name: us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 9
-Subparagraph (a),(b)
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(h))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Income Tax Expense (or Benefit)
-URI http://asc.fasb.org/extlink&oid=6515339

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph h
-Article 4
+ Details

Name: us-gaap_IncomeTaxExpenseBenefit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.1-5)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 1, 2 , 3, 4, 5
-Article 9
+ Details

Name: us-gaap_InterestAndDividendIncomeOperating

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of operating dividend and interest income, including amortization and accretion of premiums and discounts, on securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.2,3)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 35
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=27723805&loc=d3e24721-111560

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 2, 3
-Article 9
+ Details

Name: us-gaap_InterestAndDividendIncomeSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The aggregate interest and fee income generated by: (1) loans the Entity has positive intent and ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (a) industrial and agricultural; (b) real estate; and (c) real estate construction loans; (d) trade financing; (e) lease financing; (f) home equity lines-of-credit; (g) automobile and other vehicle loans; and (h) credit card and other revolving-type loans and (2) loans and leases held-for-sale which may include mortgage loans, direct financing, and sales-type leases.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.1)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 1
-Article 9
+ Details

Name: us-gaap_InterestAndFeeIncomeLoansAndLeases

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_InterestAndFeeIncomeLoansAndLeasesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of the cost of borrowed funds accounted for as interest expense.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 20
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6450988&loc=d3e26243-108391

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.9)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 9
-Article 9
+ Details

Name: us-gaap_InterestExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_InterestExpenseAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Aggregate amount of interest expense on all deposits.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.6)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 6
-Article 9
+ Details

Name: us-gaap_InterestExpenseDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Gross expenses on the purchase of Federal funds at a specified price with a simultaneous agreement to sell the same to the same counterparty at a fixed or determinable price at a future date.
+ References
No definition available.
+ Details

Name: us-gaap_InterestExpenseFederalFundsPurchased

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Interest expense on all other items not previously classified. For example, includes dividends associated with redeemable preferred stock of a subsidiary that is treated as a liability in the parent's consolidated balance sheet.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 4D
-URI http://asc.fasb.org/extlink&oid=35706170&loc=SL5624177-113959

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph -4
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882
+ Details

Name: us-gaap_InterestExpenseOther

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Gross expenses on securities sold coupled with an agreement to repurchase the same from the same counterparty at a fixed or determinable price within a fixed or variable time period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.7)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882
+ Details

Name: us-gaap_InterestExpenseSecuritiesSoldUnderAgreementsToRepurchase

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Interest expense incurred during the reporting period on subordinated notes and debentures. Includes amortization of expenses incurred in the issuance of subordinated notes and debentures.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.8)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882
+ Details

Name: us-gaap_InterestExpenseSubordinatedNotesAndDebentures

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The amount of interest incurred to a trust which has issued trust-preferred securities. In order to issue trust preferred securities, a sponsor forms a trust by investing a nominal amount of cash to purchase all of the voting common stock of the trust. The trust issues nonvoting, mandatorily redeemable preferred securities to outside investors in exchange for cash. The proceeds received from the issuance of the preferred securities, together with the cash received for issuing the common stock to the sponsor, is then loaned to the sponsor in exchange for a note which has the same terms as the trust preferred securities. Trust preferred securities possesses characteristics of both equity and debt issues and are generally issued by bank holding companies.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.8)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 480
-SubTopic 10
-Section 55
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6924035&loc=d3e22274-110880

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 9
-Article 9
+ Details

Name: us-gaap_InterestExpenseTrustPreferredSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Interest earned on deposits in United States money market accounts and other United States interest earning accounts.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.4)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 4
-Article 9
+ Details

Name: us-gaap_InterestIncomeDomesticDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of interest income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.12)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 12
-Article 9
+ Details

Name: us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The net amount of operating interest income (expense).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.10)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 10
-Article 9
+ Details

Name: us-gaap_InterestIncomeExpenseNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Interest income on federal funds sold. Federal funds sold represent the excess federal funds held by one commercial bank which it lends to another commercial bank, usually at an agreed-upon (federal funds) rate of interest. Such loans generally are of short-duration (overnight).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.4)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 4
-Article 9
+ Details

Name: us-gaap_InterestIncomeFederalFundsSold

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The aggregate amount of expenditures for salaries, wages, profit sharing and incentive compensation, and other employee benefits, including equity-based compensation, and pension and other postretirement benefit expense.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.4)
-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688
+ Details

Name: us-gaap_LaborAndRelatedExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The total expense recognized in the period for promotion, public relations, and brand or product advertising.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.4)
-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688
+ Details

Name: us-gaap_MarketingAndAdvertisingExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Net Income
-URI http://asc.fasb.org/extlink&oid=6518256

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.19)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.18)
-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.22)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Other Comprehensive Income
-URI http://asc.fasb.org/extlink&oid=6519514

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 19
-Article 5

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 20
-Article 9
+ Details

Name: us-gaap_NetIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Net income after adjustments for dividends on preferred stock (declared in the period) and/or cumulative preferred stock (accumulated for the period).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1377-109256
+ Details

Name: us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Total aggregate amount of all noninterest expense.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.14)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 14
-Article 9
+ Details

Name: us-gaap_NoninterestExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_NoninterestExpenseAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.13)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 13
-Article 9
+ Details

Name: us-gaap_NoninterestIncome

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_NoninterestIncomeAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Represents the total of noninterest income derived from certain activities and assets including (for example): (1) venture capital investments; (2) bank owned life insurance; (3) foreign currency transactions; and (4) mortgage servicing rights.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.13)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882
+ Details

Name: us-gaap_NoninterestIncomeOther

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of net occupancy expense that may include items, such as depreciation of facilities and equipment, lease expenses, property taxes and property and casualty insurance expense.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.14(b))
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.6)
-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 840
-SubTopic 30
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6455398&loc=d3e45280-112737
+ Details

Name: us-gaap_OccupancyNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentBeforeTaxPeriodIncreaseDecreaseAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount before tax and reclassification adjustments of unrealized holding gain (loss) on available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 10A
-Subparagraph (e)
-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669646-108580

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e637-108580
+ Details

Name: us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodBeforeTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount after tax, before reclassification adjustments, of unrealized holding gain (loss) on available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 10A
-Subparagraph (e)
-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669646-108580

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e637-108580
+ Details

Name: us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Other noninterest expenses that are not separately presented in any other noninterest expense category.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.14)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882
+ Details

Name: us-gaap_OtherNoninterestExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The amount of preferred stock dividends that is an adjustment to net income apportioned to common stockholders.
+ References
No definition available.
+ Details

Name: us-gaap_PreferredStockDividendsIncomeStatementImpact

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
A fee charged for services from professionals such as doctors, lawyers and accountants. The term is often expanded to include other professions, for example, pharmacists charging to maintain a medicinal profile of a client or customer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 946
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6-07.2(a),(b),(c),(d))
-URI http://asc.fasb.org/extlink&oid=6488393&loc=d3e606610-122999

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 946
-SubTopic 225
-Section 45
-Paragraph 3
-Subparagraph (k)
-URI http://asc.fasb.org/extlink&oid=6488370&loc=d3e13550-115849
+ Details

Name: us-gaap_ProfessionalFees

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.11)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 11
-Article 9
+ Details

Name: us-gaap_ProvisionForLoanLeaseAndOtherLosses

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

XML 20 R5.htm IDEA: XBRL DOCUMENT v3.3.1.900

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY - USD ($)
$ in Thousands

Total

Preferred Stock

Common Stock

Additional Paid-in Capital

Retained Earnings

Treasury Stock

Accumulated Other Comprehensive Income

Beginning balance - Shares at Dec. 31, 2012 0 40,727,996 417

Beginning balance - Amount at Dec. 31, 2012 $ 836,242 $ 0 $ 407 $ 450,116 $ 382,455 $ (8) $ 3,272

Comprehensive income:

Net income 121,051 121,051

Change in unrealized gain (loss) on available-for-sale securities, net of taxes (1,644) (1,644)

Comprehensive income 119,407

Tax expense related to exercise of stock-based awards 1,200 1,200

Stock-based compensation expense recognized in earnings 4,118 4,118

Preferred Stock Issued During Period Shares New Issues 6,000,000

Proceeds from issuance of preferred stock (144,987) $ (150,000) 5,013

Preferred stock dividends (7,394) (7,394)

Issuance of stock related to stock-based awards - Shares 272,452

Issuance of stock related to stock-based awards - Amount (2,250) $ 3 (2,253)

Issuance of stock - Shares 36,339

Issuance of stock - Amount 40 $ 0 40

Ending balance - Amount at Dec. 31, 2013 1,096,350 $ 150,000 $ 410 448,208 496,112 $ (8) 1,628

Ending balance - Shares at Dec. 31, 2013 6,000,000 41,036,787 417

Comprehensive income:

Net income 136,352 136,352

Change in unrealized gain (loss) on available-for-sale securities, net of taxes (339) (339)

Comprehensive income 136,013

Tax expense related to exercise of stock-based awards 2,929 2,929

Stock-based compensation expense recognized in earnings 4,628 4,628

Proceeds from issuance of preferred stock 0

Preferred stock dividends (9,750) (9,750)

Issuance of stock related to stock-based awards - Shares 201,280

Issuance of stock related to stock-based awards - Amount (2,203) $ 2 (2,205)

Issuance of stock - Shares 4,398,128

Issuance of stock - Amount 256,223 $ 44 256,179

Ending balance - Amount at Dec. 31, 2014 1,484,190 $ 150,000 $ 457 709,738 622,714 $ (8) 1,289

Ending balance - Shares at Dec. 31, 2014 6,000,000 45,735,424 417

Comprehensive income:

Stock Issued During Period, Shares, Other 99,229

Stock Issued During Period, Value, Other $ 1 (1)

Net income 144,854 144,854

Change in unrealized gain (loss) on available-for-sale securities, net of taxes (571) (571)

Comprehensive income 144,283

Tax expense related to exercise of stock-based awards 1,452 1,452

Stock-based compensation expense recognized in earnings 4,597 4,597

Proceeds from issuance of preferred stock 0

Preferred stock dividends (9,750) (9,750)

Issuance of stock related to stock-based awards - Shares 138,800

Issuance of stock related to stock-based awards - Amount (1,239) $ 2 (1,241)

Ending balance - Amount at Dec. 31, 2015 1,623,533 $ 150,000 $ 459 $ 714,546 $ 757,818 $ (8) $ 718

Ending balance - Shares at Dec. 31, 2015 6,000,000 45,874,224 417.000

Comprehensive income:

Stock Issued During Period, Value, Other $ 0

X

- Definition
Number of new preferred stock shares issued during the period.
+ References
No definition available.
+ Details

Name: tcbi_PreferredStockIssuedDuringPeriodSharesNewIssues

Namespace Prefix: tcbi_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
This element represents the amount of recognized equity-based compensation during the period, that is, the amount recognized as expense in the income statement (or as asset if compensation is capitalized). Alternate captions include the words "stock-based compensation".
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 35
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6415241&loc=d3e4534-113899

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5047-113901

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 20
-Section 55
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=32706628&loc=d3e11149-113907

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 20
-Section 55
-Paragraph 13
-URI http://asc.fasb.org/extlink&oid=32706628&loc=d3e11178-113907
+ Details

Name: us-gaap_AdjustmentsToAdditionalPaidInCapitalSharebasedCompensationRequisiteServicePeriodRecognitionValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Other Comprehensive Income
-URI http://asc.fasb.org/extlink&oid=6519514

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Comprehensive Income
-URI http://asc.fasb.org/extlink&oid=35737396

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e557-108580

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Net Income
-URI http://asc.fasb.org/extlink&oid=6518256
+ Details

Name: us-gaap_ComprehensiveIncomeNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_ComprehensiveIncomeNetOfTaxAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of paid and unpaid preferred stock dividends declared with the form of settlement in cash, stock and payment-in-kind (PIK).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 405
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6957935&loc=d3e64057-112817

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.3-04)
-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Article 3
+ Details

Name: us-gaap_DividendsPreferredStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Disclosure of the aggregate tax benefit realized from the exercise of stock options and the conversion of similar instruments during the annual period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (j)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_EmployeeServiceShareBasedCompensationTaxBenefitRealizedFromExerciseOfStockOptions

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Net Income
-URI http://asc.fasb.org/extlink&oid=6518256

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.19)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.18)
-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.22)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Other Comprehensive Income
-URI http://asc.fasb.org/extlink&oid=6519514

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 19
-Article 5

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 20
-Article 9
+ Details

Name: us-gaap_NetIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount after tax, before reclassification adjustments, of unrealized holding gain (loss) on available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 10A
-Subparagraph (e)
-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669646-108580

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e637-108580
+ Details

Name: us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Proceeds from issuance of capital stock which provides for a specific dividend that is paid to the shareholders before any dividends to common stockholders and which takes precedence over common stockholders in the event of liquidation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 14
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3255-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Financing Activities
-URI http://asc.fasb.org/extlink&oid=6513228
+ Details

Name: us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Number of shares issued which are neither cancelled nor held in the treasury.
+ References
No definition available.
+ Details

Name: us-gaap_SharesOutstanding

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Number of new stock issued during the period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.3-04)
-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Article 3

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 29, 30
-Article 5
+ Details

Name: us-gaap_StockIssuedDuringPeriodSharesNewIssues

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
Number of shares of stock issued during the period that is attributable to transactions involving issuance of stock not separately disclosed.
+ References
No definition available.
+ Details

Name: us-gaap_StockIssuedDuringPeriodSharesOther

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
Number of shares (or other type of equity) issued during the period as a result of any equity-based compensation plan other than an employee stock ownership plan (ESOP), net of any shares forfeited. Shares issued could result from the issuance of restricted stock, the exercise of stock options, stock issued under employee stock purchase plans, and/or other employee benefit plans.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.3-04)
-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 29, 30
-Article 5

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Article 3
+ Details

Name: us-gaap_StockIssuedDuringPeriodSharesShareBasedCompensation

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
Equity impact of the value of new stock issued during the period. Includes shares issued in an initial public offering or a secondary public offering.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.3-04)
-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 29, 30, 31
-Article 5

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Article 3
+ Details

Name: us-gaap_StockIssuedDuringPeriodValueNewIssues

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Value of shares of stock issued during the period that is attributable to transactions involving issuance of stock not separately disclosed.
+ References
No definition available.
+ Details

Name: us-gaap_StockIssuedDuringPeriodValueOther

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Value of stock (or other type of equity) issued during the period as a result of any equity-based compensation plan other than an employee stock ownership plan (ESOP), net of stock value of such awards forfeited. Stock issued could result from the issuance of restricted stock, the exercise of stock options, stock issued under employee stock purchase plans, and/or other employee benefit plans.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5047-113901

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (d)(1)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.3-04)
-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Article 3

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 29, 30, 31
-Article 5
+ Details

Name: us-gaap_StockIssuedDuringPeriodValueShareBasedCompensation

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SAB TOPIC 4.E)
-URI http://asc.fasb.org/extlink&oid=27010918&loc=d3e74512-122707

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.29-31)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 29, 30, 31
-Article 5

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 4
-Section E
+ Details

Name: us-gaap_StockholdersEquity

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Details

Name: us-gaap_StatementEquityComponentsAxis=us-gaap_PreferredStockMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_StatementEquityComponentsAxis=us-gaap_CommonStockMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_StatementEquityComponentsAxis=us-gaap_AdditionalPaidInCapitalMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_StatementEquityComponentsAxis=us-gaap_RetainedEarningsMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_StatementEquityComponentsAxis=us-gaap_TreasuryStockMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_StatementEquityComponentsAxis=us-gaap_AccumulatedOtherComprehensiveIncomeMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 21 R6.htm IDEA: XBRL DOCUMENT v3.3.1.900

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (Parenthetical) - USD ($)
$ in Thousands
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Statement of Stockholders' Equity [Abstract]

Income tax expense (benefit) related to unrealized loss on available-for-sale securities $ (306) $ (183) $ (885)

X

- Definition
This item represents the tax effects occurring during the period which are related to the net unrealized gain (loss) resulting from changes in the fair [carrying] value during the period of available-for-sale securities. Such tax affects would have been charged or credited directly to other comprehensive income or to related components of shareholders' equity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 20
-Section 45
-Paragraph 11
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=18498875&loc=d3e39076-109324

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 9
-Subparagraph (d)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27357-111563
+ Details

Name: us-gaap_AvailableForSaleSecuritiesIncomeTaxExpenseOnChangeInUnrealizedHoldingGainOrLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_StatementOfStockholdersEquityAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 22 R7.htm IDEA: XBRL DOCUMENT v3.3.1.900

CONSOLIDATED STATEMENTS OF CASH FLOWS - USD ($)
$ in Thousands
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Operating activities

Net income $ 144,854 $ 136,352 $ 121,051

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

Provision for credit losses 53,250 22,000 19,000

Deferred tax expense (benefit) (3,561) (3,969) (11,599)

Depreciation and amortization 16,495 14,798 11,480

Amortization of securities 0 0 22

BOLI income (2,011) (2,067) (1,917)

Stock-based compensation expense 12,304 14,577 20,953

Excess tax benefits from stock-based compensation arrangements (1,499) (2,929) (1,200)

Purchases of loans held for sale (127,002) 0 0

Proceeds from sales and repayments of loans held for sale 40,927 0 0

Capitalization of mortgage servicing rights (437) 0 0

(Gain) loss on sale of assets 179 (822) (931)

Changes in operating assets and liabilities:

Accrued interest receivable and other assets (61,002) (58,579) 31,010

Accrued interest payable and other liabilities (3,554) 38,366 3,508

Net cash provided by operating activities 68,943 157,727 191,377

Investing activities

Purchases of available-for-sale securities 0 0 (2)

Maturities and calls of available-for-sale securities 2,430 11,150 15,890

Principal payments received on available-for-sale securities 8,419 9,822 18,542

Originations of mortgage finance loans (86,342,672) (58,090,177) (51,087,328)

Proceeds from pay-offs of mortgage finance loans 85,478,521 56,772,317 51,478,335

Net increase in loans held for investment, excluding mortgage finance loans (1,603,880) (1,676,927) (1,706,505)

Purchase of premises and equipment, net (5,034) (15,732) (4,029)

Proceeds from sale of foreclosed assets 1,430 5,877 11,667

Cash paid for acquisition 0 0 (2,445)

Net cash used in investing activities (2,460,786) (2,983,670) (1,275,875)

Financing activities

Net increase in deposits 2,411,319 3,415,921 1,816,575

Costs from issuance of stock related to stock-based awards and warrants (1,239) (2,203) (2,210)

Net proceeds from issuance of common stock 0 256,223 0

Net proceeds from issuance of preferred stock 0 0 144,987

Preferred dividends paid (9,750) (9,750) (6,960)

Net increase (decrease) in other borrowings 399,995 244,979 (797,002)

Excess tax benefits from stock-based compensation arrangements 1,499 2,929 1,200

Net increase (decrease) in federal funds purchased and repurchase agreements 50,375 (77,928) (124,529)

Issuance of subordinated notes 0 172,375 0

Net cash provided by financing activities 2,852,199 4,002,546 1,032,061

Net increase (decrease) in cash and cash equivalents 460,356 1,176,603 (52,437)

Cash and cash equivalents at beginning of period 1,330,514 153,911 206,348

Cash and cash equivalents at end of period 1,790,870 1,330,514 153,911

Supplemental disclosures of cash flow information:

Cash paid during the period for interest 46,078 33,584 24,962

Cash paid during the period for income taxes 87,450 74,998 77,635

Transfers from loans/leases to OREO and other repossessed assets $ 1,267 $ 851 $ 1,331

X

- References
No definition available.
+ Details

Name: tcbi_PaymentsForOriginationsOfMortgageFinanceLoans

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The cash inflow associated with maturities (principal being due)on securities not classified as either held-to-maturity securities or trading securities which are classified as available-for-sale securities.
+ References
No definition available.
+ Details

Name: tcbi_PrincipalPaymentsReceivedOnAvailableForSaleSecurities

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: tcbi_ProceedsFromSaleAndCollectionOfMortgageFinanceLoans

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Servicing Assets Capitalized
+ References
No definition available.
+ Details

Name: tcbi_ServicingAssetsCapitalized

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The sum of the periodic adjustments of the differences between securities' face values and purchase prices that are charged against earnings. This is called accretion if the security was purchased at a discount and amortization if it was purchased at premium. As a noncash item, this element is an adjustment to net income when calculating cash provided by or used in operations using the indirect method.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585
+ Details

Name: us-gaap_AccretionAmortizationOfDiscountsAndPremiumsInvestments

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Earnings on or other increases in the value of the cash surrender value of bank owned life insurance policies.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.13)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882
+ Details

Name: us-gaap_BankOwnedLifeInsuranceIncome

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Cash
-URI http://asc.fasb.org/extlink&oid=6506951

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section 45
-Paragraph 1
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=28358313&loc=d3e6676-107765

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3044-108585

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Cash Equivalents
-URI http://asc.fasb.org/extlink&oid=6507016

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.1)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 1
-Article 5
+ Details

Name: us-gaap_CashAndCashEquivalentsAtCarryingValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of increase (decrease) in cash and cash equivalents. Cash and cash equivalents are the amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Includes effect from exchange rate changes.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 24
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3521-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 830
-SubTopic 230
-Section 45
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6450594&loc=d3e33268-110906
+ Details

Name: us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of deferred income tax expense (benefit) pertaining to income (loss) from continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Deferred Tax Expense (or Benefit)
-URI http://asc.fasb.org/extlink&oid=6510177

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 9
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(h))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SAB TOPIC 6.I.7)
-URI http://asc.fasb.org/extlink&oid=34349781&loc=d3e330036-122817

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph h
-Article 4

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 6
-Section I
-Subsection 7
+ Details

Name: us-gaap_DeferredIncomeTaxExpenseBenefit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The aggregate expense recognized in the current period that allocates the cost of tangible assets, intangible assets, or depleting assets to periods that benefit from use of the assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585
+ Details

Name: us-gaap_DepreciationDepletionAndAmortization

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of cash inflow from realized tax benefit related to deductible compensation cost reported on the entity's tax return for equity instruments in excess of the compensation cost for those instruments recognized for financial reporting purposes.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 20
-Section 55
-Paragraph 24
-URI http://asc.fasb.org/extlink&oid=32706628&loc=d3e11374-113907
+ Details

Name: us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of cash outflow for realized tax benefit related to deductible compensation cost reported on the entity's tax return for equity instruments in excess of the compensation cost for those instruments recognized for financial reporting purposes.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 20
-Section 55
-Paragraph 24
-URI http://asc.fasb.org/extlink&oid=32706628&loc=d3e11374-113907
+ Details

Name: us-gaap_ExcessTaxBenefitFromShareBasedCompensationOperatingActivities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of gain (loss) on sale or disposal of other assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585
+ Details

Name: us-gaap_GainLossOnSaleOfOtherAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The amount of cash paid during the current period to foreign, federal, state, and local authorities as taxes on income, net of any cash received during the current period as refunds for the overpayment of taxes.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4297-108586
+ Details

Name: us-gaap_IncomeTaxesPaidNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The net cash inflow or outflow for the increase (decrease) in the beginning and end of period deposits balances.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 230
-Section 45
-Paragraph 1
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=6477933&loc=d3e60009-112784

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3095-108585
+ Details

Name: us-gaap_IncreaseDecreaseInDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The net cash inflow or outflow from the fund borrowed from other financial institution arising from the insufficient reserve deposited at Federal Reserve Bank to meet legal requirement. This borrowing is usually contracted on an overnight basis at an agreed rate of interest.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3095-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 9
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3098-108585
+ Details

Name: us-gaap_IncreaseDecreaseInFederalFundsPurchased

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_IncreaseDecreaseInOperatingCapitalAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The increase (decrease) during the reporting period in other assets used in operating activities not separately disclosed in the statement of cash flows. May include changes in other current assets, other noncurrent assets, or a combination of other current and noncurrent assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585
+ Details

Name: us-gaap_IncreaseDecreaseInOtherOperatingAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The increase (decrease) during the reporting period in other liabilities used in operating activities not separately disclosed in the statement of cash flows. May include changes in other current liabilities, other noncurrent liabilities, or a combination of other current and noncurrent liabilities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585
+ Details

Name: us-gaap_IncreaseDecreaseInOtherOperatingLiabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The amount of cash paid for interest during the period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4297-108586

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 25
-Subparagraph (e)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3536-108585
+ Details

Name: us-gaap_InterestPaid

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of cash inflow (outflow) from financing activities, including discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 24
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3521-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 26
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3574-108585
+ Details

Name: us-gaap_NetCashProvidedByUsedInFinancingActivities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of cash inflow (outflow) from investing activities, including discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 24
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3521-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 26
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3574-108585
+ Details

Name: us-gaap_NetCashProvidedByUsedInInvestingActivities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of cash inflow (outflow) from operating activities, including discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 24
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3521-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 25
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3536-108585
+ Details

Name: us-gaap_NetCashProvidedByUsedInOperatingActivities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Net Income
-URI http://asc.fasb.org/extlink&oid=6518256

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.19)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.18)
-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.22)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Other Comprehensive Income
-URI http://asc.fasb.org/extlink&oid=6519514

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 19
-Article 5

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 20
-Article 9
+ Details

Name: us-gaap_NetIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The net cash outflow or inflow for the increase (decrease) in the beginning and end of period of loan and lease balances which are not originated or purchased specifically for resale. Includes cash payments and proceeds associated with (a) loans held-for-investment, (b) leases held-for-investment, and (c) both.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 13
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3213-108585
+ Details

Name: us-gaap_PaymentsForProceedsFromLoansAndLeases

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of cash outflow in the form of ordinary dividends to preferred shareholders of the parent entity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 15
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3291-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Financing Activities
-URI http://asc.fasb.org/extlink&oid=6513228
+ Details

Name: us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The cash outflow for cost incurred directly with the issuance of an equity security.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Financing Activities
-URI http://asc.fasb.org/extlink&oid=6513228

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3291-108585
+ Details

Name: us-gaap_PaymentsOfStockIssuanceCosts

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The cash outflow to acquire debt and equity securities not classified as either held-to-maturity securities or trading securities which would be classified as available-for-sale securities and reported at fair value, with unrealized gains and losses excluded from earnings and reported in a separate component of shareholders' equity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Investing Activities
-URI http://asc.fasb.org/extlink&oid=6516133

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 13
-Subparagraph (a),(b)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3213-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 45
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=6871852&loc=d3e26853-111562
+ Details

Name: us-gaap_PaymentsToAcquireAvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The cash outflow for the purchase of loan receivable arising from the financing of goods and services.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 13
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3213-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Investing Activities
-URI http://asc.fasb.org/extlink&oid=6516133
+ Details

Name: us-gaap_PaymentsToAcquireLoansReceivable

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The cash outflow associated with the acquisition of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale; includes cash outflows to pay for construction of self-constructed assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Investing Activities
-URI http://asc.fasb.org/extlink&oid=6516133

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 13
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3213-108585
+ Details

Name: us-gaap_PaymentsToAcquirePropertyPlantAndEquipment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The aggregate cash outflow used to purchase all loans that are held with the intention to resell in the near future.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 230
-Section 55
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=34726456&loc=d3e60097-112785

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 17
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3367-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 21
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3461-108585
+ Details

Name: us-gaap_PaymentsToPurchaseLoansHeldForSale

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The cash inflow from the additional capital contribution to the entity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Financing Activities
-URI http://asc.fasb.org/extlink&oid=6513228

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 14
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3255-108585
+ Details

Name: us-gaap_ProceedsFromIssuanceOfCommonStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Proceeds from issuance of capital stock which provides for a specific dividend that is paid to the shareholders before any dividends to common stockholders and which takes precedence over common stockholders in the event of liquidation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 14
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3255-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Financing Activities
-URI http://asc.fasb.org/extlink&oid=6513228
+ Details

Name: us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The cash inflow from a borrowing with the highest claim on the assets of the entity in case of bankruptcy or liquidation (with maturities initially due after one year or beyond the operating cycle, if longer).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Financing Activities
-URI http://asc.fasb.org/extlink&oid=6513228

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 14
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3255-108585
+ Details

Name: us-gaap_ProceedsFromIssuanceOfSeniorLongTermDebt

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The cash inflow associated with maturities (principal being due), prepayments and calls (requests of early payments) on securities not classified as either held-to-maturity securities or trading securities which are classified as available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 12
-Subparagraph (a),(b)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3179-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 45
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=6871852&loc=d3e26853-111562

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Investing Activities
-URI http://asc.fasb.org/extlink&oid=6516133
+ Details

Name: us-gaap_ProceedsFromMaturitiesPrepaymentsAndCallsOfAvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The net cash inflow or outflow for borrowing having initial term of repayment within one year or the normal operating cycle, if longer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 9
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3098-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Financing Activities
-URI http://asc.fasb.org/extlink&oid=6513228
+ Details

Name: us-gaap_ProceedsFromRepaymentsOfShortTermDebt

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The cash inflow from sale proceeds and collection of repayments from borrowers on loans classified as held-for-sale, including proceeds from loans sold through mortgage securitization; includes mortgages and other types of loans.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 45
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4600-111522

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Investing Activities
-URI http://asc.fasb.org/extlink&oid=6516133

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3179-108585

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 21
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3461-108585
+ Details

Name: us-gaap_ProceedsFromSaleAndCollectionOfLoansHeldforsale

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The cash inflow from the sale assets received in full or partial satisfaction of a receivable including real and personal property; equity interests in corporations, partnerships, and joint ventures; and beneficial interests in trusts. Foreclosed assets also include loans that are treated as if the underlying collateral had been foreclosed because the institution has taken possession of the collateral, even though legal foreclosure or repossession proceedings have not taken place.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3179-108585
+ Details

Name: us-gaap_ProceedsFromSaleOfForeclosedAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.11)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 11
-Article 9
+ Details

Name: us-gaap_ProvisionForLoanLeaseAndOtherLosses

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The aggregate amount of noncash, equity-based employee remuneration. This may include the value of stock or unit options, amortization of restricted stock or units, and adjustment for officers' compensation. As noncash, this element is an add back when calculating net cash generated by operating activities using the indirect method.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585
+ Details

Name: us-gaap_ShareBasedCompensation

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_SupplementalCashFlowInformationAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Value transferred out of real estate owned (REO) in noncash transactions.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4313-108586

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 50
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4332-108586

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4304-108586
+ Details

Name: us-gaap_TransferOfOtherRealEstate

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

XML 23 R8.htm IDEA: XBRL DOCUMENT v3.3.1.900

Operations and Summary of Significant Accounting Policies
12 Months Ended

Dec. 31, 2015

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Operations and Summary of Significant Accounting Policies
Operations and Summary of Significant Accounting Policies
Organization and Nature of Business
Texas Capital Bancshares, Inc. (the "Company”), a Delaware corporation, was incorporated in November 1996 and commenced banking operations in December 1998. The consolidated financial statements of the Company include the accounts of Texas Capital Bancshares, Inc. and its wholly owned subsidiary, Texas Capital Bank, National Association (the "Bank”). We serve the needs of commercial businesses and successful professionals and entrepreneurs located in Texas as well as operate several lines of business serving a regional or national clientele of commercial borrowers. We are primarily a secured lender, with our greatest concentration of loans in Texas.
Basis of Presentation
Our accounting and reporting policies conform to accounting principles generally accepted in the United States ("GAAP") and to generally accepted practices within the banking industry. Certain prior period balances have been reclassified to conform to the current period presentation.
Use of Estimates
The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements. Actual results could differ from those estimates. The allowance for loan losses, the fair value of stock-based compensation awards, the fair values of financial instruments and the status of contingencies are particularly susceptible to significant change in the near term.
Cash and Cash Equivalents
Cash equivalents include amounts due from banks, interest-bearing deposits and Federal funds sold.
Securities
Securities are classified as trading, available-for-sale or held-to-maturity. Management classifies securities at the time of purchase and re-assesses such designation at each balance sheet date; however, transfers between categories from this re-assessment are rare.
Trading Account
Securities acquired for resale in anticipation of short-term market movements are classified as trading, with realized and unrealized gains and losses recognized in income. To date, we have not had any activity in our trading account.
Available-for-Sale
Debt securities are classified as held-to-maturity when we have the positive intent and ability to hold the securities to maturity. Held-to-maturity securities are stated at amortized cost. Debt securities not classified as held-to-maturity or trading and marketable equity securities not classified as trading are classified as available-for-sale.
Available-for-sale securities are stated at fair value, with the unrealized gains and losses reported in a separate component of accumulated other comprehensive income (loss), net of tax. The amortized cost of debt securities is adjusted for amortization of premiums and accretion of discounts to maturity, or in the case of mortgage-backed securities, over the estimated life of the security. Such amortization and accretion is included in interest income from securities. Realized gains and losses and declines in value judged to be other-than-temporary are included in gain (loss) on sale of securities. The cost of securities sold is based on the specific identification method.
All securities are available-for-sale as of December 31, 2015 and 2014.
Loans
Loans Held for Sale
Through our MCA program, we commit to purchase residential mortgage loans from independent correspondent lenders and deliver those loans into the secondary market via whole loan sales to independent third parties or in securitization transactions to GSEs such as Fannie Mae, Freddie Mac or Ginnie Mae. In some cases, we retain the mortgage servicing rights. Once purchased, these loans are classified as held for sale and are carried at fair value pursuant to our election of the fair value option in accordance with Accounting Standards Codification 825, Financial Instruments ("ASC 825"). At the commitment date, we enter into a corresponding forward sale commitment with a third party, typically a GSE, to deliver the loans within a specified timeframe. The estimated gain/loss for the entire transaction (from initial purchase commitment to final delivery of loans) is recorded as an asset or liability. Fair value is derived from observable current market prices, when available, and includes the fair value of the mortgage servicing rights. Adjustments to reflect unrealized gains and losses resulting from changes in fair value and realized gains and losses upon ultimate sale of the loans are classified as other non-interest income in the consolidated statements of income and other comprehensive income.
Loans Held for Investment
Loans held for investment (which include equipment leases accounted for as financing leases) are stated at the amount of unpaid principal reduced by deferred income (net of costs). Interest on loans is recognized using the simple-interest method on the daily balances of the principal amounts outstanding. Loan origination fees, net of direct loan origination costs, and commitment fees, are deferred and amortized as an adjustment to yield over the life of the loan, or over the commitment period, as applicable.
A loan held for investment is considered impaired when, based on current information and events, it is probable that we will be unable to collect all amounts due (both principal and interest) according to the terms of the loan agreement. Reserves on impaired loans are measured based on the present value of expected future cash flows discounted at the loan’s effective interest rate or the fair value of the underlying collateral, less cost to sell. Impaired loans, or portions thereof, are charged off when a confirmed loss exists.
The accrual of interest on loans is discontinued when there is a clear indication that the borrower’s cash flow may not be sufficient to meet payments as they become due, which is generally when a loan is 90 days past due. When a loan is placed on non-accrual status, all previously accrued and unpaid interest is reversed. Interest income is subsequently recognized on a cash basis as long as the remaining book balance of the asset is deemed to be collectible. If collectability is questionable, then cash payments are applied to principal. A loan is placed back on accrual status when both principal and interest are current and it is probable that we will be able to collect all amounts due (both principal and interest) according to the terms of the loan agreement.
Loans held for investment includes legal ownership interests in mortgage loans that we purchase through our mortgage warehouse lending division. The ownership interests are purchased from unaffiliated mortgage originators who are seeking additional funding through sale of the undivided ownership interests to facilitate their ability to originate loans. The mortgage originator has no obligation to offer and we have no obligation to purchase these interests. The originator closes mortgage loans consistent with underwriting standards established by approved investors, and, at the time of the sale to the investor, our ownership interest and that of the originator are delivered by us to the investor selected by the originator and approved by us. We typically purchase up to a 99% ownership interest in each mortgage with the originator owning the remaining percentage. These mortgage ownership interests are held by us for a period of less than 30 days and more typically 10-20 days. Because of conditions in agreements with originators designed to reduce transaction risks, under ASC 860, Transfers and Servicing of Financial Assets (“ASC 860”), the ownership interests do not qualify as participating interests. Under ASC 860, the ownership interests are deemed to be loans to the originators and payments we receive from investors are deemed to be payments made by or on behalf of the originator to repay the loan deemed made to the originator. Because we have an actual, legal ownership interest in the underlying residential mortgage loan, these interests are not extensions of credit to the originators that are secured by the mortgage loans as collateral.
Due to market conditions or events of default by the investor or the originator, we could be required to purchase the remaining interests in the mortgage loans and hold them beyond the expected 10-20 days. Mortgage loans acquired under these conditions would require mark-to-market adjustments to income and could require future allocations of the allowance for loan losses or be subject to charge off in the event the loans become impaired. Mortgage loan interests purchased and disposed of as expected receive no allocation of the allowance for loan losses due to the minimal loss experience with these assets.
Allowance for Loan Losses
The allowance for loan losses is comprised of specific reserves for impaired loans and an estimate of losses inherent in the portfolio at the balance sheet date, but not yet identified with specified loans. We regularly evaluate our allowance for loan losses to maintain an appropriate level to absorb estimated loan losses inherent in the loan portfolio. Factors contributing to the determination of the allowance include the creditworthiness of the borrower, changes in the value of pledged collateral, and general economic conditions. All loan commitments rated substandard or worse and greater than $500,000 are specifically reviewed for loss potential. For loans deemed to be impaired, a specific allocation is assigned based on the losses expected to be realized from those loans. For purposes of determining the general reserve, the portfolio is segregated by product types to recognize differing risk profiles among categories, and then further segregated by credit grades. Credit grades are assigned to all loans. Each credit grade is assigned a risk factor, or reserve allocation percentage. These risk factors are multiplied by the outstanding principal balance and risk-weighted by product type to calculate the required reserve. A similar process is employed to calculate a reserve assigned to off-balance sheet commitments, specifically unfunded loan commitments and letters of credit, and any needed reserve is recorded in other liabilities. Even though portions of the allowance may be allocated to specific loans, the entire allowance is available for any credit that, in management’s judgment, should be charged off.
We have several pass credit grades that are assigned to loans based on varying levels of risk, ranging from credits that are secured by cash or marketable securities, to watch credits which have all the characteristics of an acceptable credit risk but warrant more than the normal level of monitoring. Within our criticized/classified credit grades are special mention, substandard, and doubtful. Special mention loans are those that are currently protected by the sound worth and paying capacity of the borrower, but that are potentially weak and constitute an additional credit risk. The loan has the potential to deteriorate to a substandard grade due to the existence of financial or administrative deficiencies. Substandard loans have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that we will sustain some loss if the deficiencies are not corrected. Some substandard loans are inappropriately protected by sound worth and paying capacity of the borrower and of the collateral pledged and may be considered impaired. Substandard loans can be accruing or can be on non-accrual depending on the circumstances of the individual loans. Loans classified as doubtful have all the weaknesses inherent in substandard loans with the added characteristics that the weaknesses make collection or liquidation in full highly questionable and improbable. The possibility of loss is extremely high. All doubtful loans are on non-accrual.
The allowance allocation percentages assigned to each credit grade have been developed based primarily on an analysis of our historical loss rates. The allocations are adjusted for certain qualitative factors, including general economic conditions, changes in credit policies and lending standards. Changes in the trend and severity of problem loans can cause the estimation of losses to differ from past experience. In addition, the allowance considers the results of reviews performed by independent third party reviewers as reflected in their confirmations of assigned credit grades within the portfolio. The portion of the allowance that is not derived by the allowance allocation percentages compensates for the uncertainty and complexity in estimating loan and lease losses including factors and conditions that may not be fully reflected in the determination and application of the allowance allocation percentages. Examples of risks that support the Bank's maintaining an additional qualitative reserve include the possibility of precipitous negative changes in economic conditions and borrowers' submission of financial statements or certifications of collateral value that subsequently prove to be materially inaccurate for reason of either misstatement or omission of critical information. These situations, while not common, do not necessarily correlate well with the general risk profile presented by assigned credit grade and product type categories. We evaluate many such factors and conditions in determining the additional qualitative portion of the allowance, including amount and frequency of losses attributable to issues not specifically addressed or included in the determination and application of the allowance allocation percentages.
The methodology used in the periodic review of the appropriateness of the allowance, which is performed at least quarterly, is designed to be dynamic and responsive to changes in portfolio credit quality. The changes are reflected in the general allowance and in specific reserves as the collectability of larger classified loans is evaluated with new information. As our portfolio has matured, historical loss ratios have been closely monitored, and our reserve adequacy relies primarily on our loss history. The review of the appropriateness of the allowance is performed by executive management and presented to a committee of our board of directors for their review. The committee reports to the board as part of the board's review on a quarterly basis of the Company's consolidated financial statements.
Other Real Estate Owned
Other real estate owned (“OREO”), which is included in other assets on the consolidated balance sheet, consists of real estate that has been foreclosed. Real estate that has been foreclosed is recorded at the fair value of the real estate, less selling costs, through a charge to the allowance for loan losses, if necessary. Subsequent write-downs required for declines in value are recorded through a valuation allowance, or taken directly to the asset, charged to other non-interest expense.
Premises and Equipment
Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed using the straight-line method over the estimated useful lives of the assets, which range from three to ten years. Gains or losses on disposals of premises and equipment are included in results of operations.
Marketing and Software
Marketing costs are expensed as incurred. Ongoing maintenance and enhancements of websites are expensed as incurred. Costs incurred in connection with development or purchase of internal use software are capitalized and amortized over a period not to exceed five years. Internal use software costs are included in other assets in the consolidated balance sheets.
Goodwill and Other Intangible Assets
Intangible assets are acquired assets that lack physical substance but can be distinguished from goodwill because of contractual or other legal rights or because the asset is capable of being sold or exchanged either on its own or in combination with a related contract, asset, or liability. Our intangible assets relate primarily to loan customer relationships. Intangible assets with definite useful lives are amortized on an accelerated basis over their estimated life. Goodwill and intangible assets are tested for impairment during the fourth quarter on an annual basis or whenever events or changes in circumstances indicate the carrying amount of the assets may not be recoverable from future undiscounted cash flows. If impaired, the assets are recorded at fair value.
Segment Reporting
We have determined that all of our lending divisions and subsidiaries meet the aggregation criteria of ASC 280, Segment Reporting, since all offer similar products and services, operate with similar processes, and have similar customers.
Stock-based Compensation
We account for all stock-based compensation transactions in accordance with ASC 718, Compensation — Stock Compensation (“ASC 718”), which requires that stock compensation transactions be recognized as compensation expense in the consolidated statement of income and other comprehensive income based on their fair values on the measurement date, which is the date of the grant.
Accumulated Other Comprehensive Income
Unrealized gains or losses on our available-for-sale securities (after applicable income tax expense or benefit) are included in accumulated other comprehensive income, net. Accumulated comprehensive income (loss), net for the three years ended December 31, 2015 is reported in the accompanying consolidated statements of stockholders’ equity and consolidated statements of income and other comprehensive income.
Income Taxes
The Company and its subsidiary file a consolidated federal income tax return. We utilize the liability method in accounting for income taxes. Under this method, deferred tax assets and liabilities are determined based upon the difference between the values of the assets and liabilities as reflected in the financial statements and their related tax basis using enacted tax rates in effect for the year in which the differences are expected to be recovered or settled. As changes in tax law or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. A valuation reserve is provided against deferred tax assets unless it is more likely than not that such deferred tax assets will be realized.
Basic and Diluted Earnings Per Common Share
Basic earnings per common share is based on net income available to common stockholders divided by the weighted-average number of common shares outstanding during the period excluding non-vested stock. Diluted earnings per common share include the dilutive effect of stock options and non-vested stock awards granted using the treasury stock method. A reconciliation of the weighted-average shares used in calculating basic earnings per common share and the weighted average common shares used in calculating diluted earnings per common share for the reported periods is provided in Note 15 — Earnings Per Share.
Fair Values of Financial Instruments
ASC 820, Fair Value Measurements and Disclosures (“ASC 820”), defines fair value, establishes a framework for measuring fair value under GAAP and enhances disclosures about fair value measurements. In general, fair values of financial instruments are based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows.
Mortgage Servicing Rights
MSRs are created by selling purchased or originated mortgage loans with servicing rights retained. We identify classes of servicing rights based upon the nature of the underlying assumptions used to value the asset along with the risks associated with the underlying asset. Based upon these criteria we have one class of MSRs, residential.
Originated MSRs are recognized based on the estimated fair value of the mortgage loans and the related servicing rights at the date of sale using values derived from a valuation model managed by a third party. MSRs are amortized in proportion, and over the estimated life of the projected net servicing revenue and are periodically evaluated for impairment. MSRs are reported on the consolidated balance sheets at lower of cost or market. Loan servicing fee income represents income earned for servicing mortgage loans owned by investors and includes mortgage servicing fees and other ancillary servicing income. Servicing fees are recorded as income when earned and are reported in other non-interest income on the consolidated statements of income and other comprehensive income. For additional information on MSRs, see Note 5 - Certain Transfers of Financial Assets.
Financial Instruments with Off-Balance Sheet Risk
The Company has undertaken certain guarantee obligations in the ordinary course of business. These guarantees include liabilities with both balance sheet and off-balance sheet risk. We consider the following arrangements to be guarantees: commitments to extend credit, standby letters credit and indemnification agreements included within third party contractual arrangements. For additional information on commitments and contingencies, see Note 13 - Financial Instruments with Off-Balance Sheet Risk.
Derivative Financial Instruments
All contracts that satisfy the definition of a derivative are recorded at fair value in other assets and other liabilities in the consolidated balance sheets. We record the derivatives on a net basis when a right of offset exists, based on transactions with a single counterparty that are subject to a legally enforceable master netting agreement. For additional information on derivative financial instruments, see Note 20 - Derivative Financial Instruments.

X

- References
No definition available.
+ Details

Name: us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for the organization, consolidation and basis of presentation of financial statements disclosure, and significant accounting policies of the reporting entity. May be provided in more than one note to the financial statements, as long as users are provided with an understanding of (1) the significant judgments and assumptions made by an enterprise in determining whether it must consolidate a VIE and/or disclose information about its involvement with a VIE, (2) the nature of restrictions on a consolidated VIE's assets reported by an enterprise in its statement of financial position, including the carrying amounts of such assets, (3) the nature of, and changes in, the risks associated with an enterprise's involvement with the VIE, and (4) how an enterprise's involvement with the VIE affects the enterprise's financial position, financial performance, and cash flows. Describes procedure if disclosures are provided in more than one note to the financial statements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 275
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6927468&loc=d3e6003-108592
+ Details

Name: us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsDisclosureAndSignificantAccountingPoliciesTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 24 R9.htm IDEA: XBRL DOCUMENT v3.3.1.900

Securities
12 Months Ended

Dec. 31, 2015

Available-for-sale Securities [Abstract]

Securities
Securities
The following is a summary of securities (in thousands):

December 31, 2015

Amortized
Cost

Gross
Unrealized
Gains

Gross
Unrealized
Losses

Estimated
Fair
Value
Available-for-sale securities:

Residential mortgage-backed securities
$
20,536

$
1,365

$
—

$
21,901

Municipals
828

3

—

831

Equity securities(1)
7,522

11

(273
)

7,260

$
28,886

$
1,379

$
(273
)

$
29,992

December 31, 2014

Amortized
Cost

Gross
Unrealized
Gains

Gross
Unrealized
Losses

Estimated
Fair
Value
Available-for-sale securities:

Residential mortgage-backed securities
$
28,957

$
2,108

$
—

$
31,065

Municipals
3,257

10

—

3,267

Equity securities(1)
7,522

16

(151
)

7,387

$
39,736

$
2,134

$
(151
)

$
41,719

(1)
Equity securities consist of Community Reinvestment Act funds.
The amortized cost and estimated fair value of securities are presented below by contractual maturity (in thousands, except percentage data):

December 31, 2015

Less Than
One Year

After One
Through
Five Years

After Five
Through
Ten Years

After Ten
Years

Total
Available-for-sale:

Residential mortgage-backed securities:(1)

Amortized cost
$
214

$
4,655

$
4,265

$
11,402

$
20,536

Estimated fair value
217

4,837

4,747

12,100

21,901

Weighted average yield(3)
5.62
%

4.71
%

5.54
%

2.53
%

3.68
%
Municipals:(2)

Amortized cost
265

563

—

—

828

Estimated fair value
265

566

—

—

831

Weighted average yield(3)
5.46
%

5.69
%

—
%

—
%

5.62
%
Equity securities:(4)

Amortized cost
7,522

—

—

—

7,522

Estimated fair value
7,260

—

—

—

7,260

Total available-for-sale securities:

Amortized cost

$
28,886

Estimated fair value

$
29,992

December 31, 2014

Less Than
One Year

After One
Through
Five Years

After Five
Through
Ten Years

After Ten
Years

Total
Available-for-sale:

Residential mortgage-backed securities:(1)

Amortized cost
$
1

$
9,151

$
5,661

$
14,144

$
28,957

Estimated fair value
1

9,662

6,333

15,069

31,065

Weighted average yield(3)
6.50
%

4.79
%

5.54
%

2.36
%

3.75
%
Municipals:(2)

Amortized cost
1,669

1,588

—

—

3,257

Estimated fair value
1,674

1,593

—

—

3,267

Weighted average yield(3)
5.78
%

5.79
%

—

—

5.79
%
Equity securities:(4)

Amortized cost
7,522

—

—

—

7,522

Estimated fair value
7,387

—

—

—

7,387

Total available-for-sale securities:

Amortized cost

$
39,736

Estimated fair value

$
41,719

(1)
Actual maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without prepayment penalties. The average expected life of the mortgage-backed securities was 0.8 years at December 31, 2015 and 1.2 years at December 31, 2014.
(2)
Yields have been adjusted to a tax equivalent basis assuming a 35% federal tax rate.
(3)
Yields are calculated based on amortized cost.
(4)
These equity securities do not have a stated maturity.
Securities with carrying values of approximately $20.7 million and $32.7 million were pledged to secure certain borrowings and deposits at December 31, 2015 and 2014, respectively. See Note 9 — Borrowing Arrangements for discussion of securities securing borrowings. Of the pledged securities at December 31, 2015 and 2014, approximately $6.6 million and $10.9 million, respectively, were pledged for certain deposits.
The following table discloses, as of December 31, 2015 and December 31, 2014, our investment securities that have been in a continuous unrealized loss position for less than 12 months and those that have been in a continuous unrealized loss position for 12 or more months (in thousands):

December 31, 2015
Less Than 12 Months

12 Months or Longer

Total

Fair
Value

Unrealized
Loss

Fair
Value

Unrealized
Loss

Fair
Value

Unrealized
Loss

Equity securities
$
—

$
—

$
6,227

$
(273
)

$
6,227

$
(273
)

December 31, 2014
Less Than 12 Months

12 Months or Longer

Total

Fair
Value

Unrealized
Loss

Fair
Value

Unrealized
Loss

Fair
Value

Unrealized
Loss

Equity securities
$
—

$
—

$
6,349

$
(151
)

$
6,349

$
(151
)

At December 31, 2015 and 2014, we owned one security with an unrealized loss position. This security is a publicly traded equity fund and is subject to market pricing volatility. We do not believe that this unrealized loss is “other than temporary.” We have evaluated the near-term prospects of the investment in relation to the severity and duration of the impairment and based on that evaluation have the ability and intent to hold the investment until recovery of fair value.
Unrealized gains or losses on our available-for-sale securities (after applicable income tax expense or benefit) are included in accumulated other comprehensive income, net. We had comprehensive income of $144.3 million for the year ended December 31, 2015 and comprehensive income of $136.0 million for the year ended December 31, 2014.

X

- Definition
The entire disclosure for investments, including all tables.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Article 6
-Section 10
-Paragraph (c)
-Subparagraph (1)
+ Details

Name: invest_InvestmentTextBlock

Namespace Prefix: invest_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_AvailableForSaleSecuritiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 25 R10.htm IDEA: XBRL DOCUMENT v3.3.1.900

Loans and Allowance for Credit Losses
12 Months Ended

Dec. 31, 2015

Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]

Loans and Allowance for Credit Losses
Loans Held for Investment and Allowance for Loan Losses
Loans held for investment are summarized by category as follows (in thousands):

December 31,

2015

2014
Commercial
$
6,672,631

$
5,869,219

Mortgage finance
4,966,276

4,102,125

Construction
1,851,717

1,416,405

Real estate
3,139,197

2,807,127

Consumer
25,323

19,699

Equipment leases
113,996

99,495

Gross loans held for investment
16,769,140

14,314,070

Deferred income (net of direct origination costs)
(57,190
)

(57,058
)
Allowance for loan losses
(141,111
)

(100,954
)
Total loans held for investment
$
16,570,839

$
14,156,058

Commercial Loans and Leases.    Our commercial loan portfolio is comprised of lines of credit for working capital and term loans and leases to finance equipment and other business assets. Our energy production loans are generally collateralized with proven reserves based on appropriate valuation standards and take into account the risk of oil and gas price volatility. Our commercial loans and leases are underwritten after carefully evaluating and understanding the borrower’s ability to operate profitably. Our underwriting standards are designed to promote relationship banking rather than to make loans on a transaction basis. Our lines of credit typically are limited to a percentage of the value of the assets securing the line. Lines of credit and term loans typically are reviewed annually and are supported by accounts receivable, inventory, equipment and other assets of our clients’ businesses.
Mortgage Finance Loans.    Our mortgage finance loans consist of ownership interests purchased in single-family residential mortgages funded through our mortgage finance group. These loans are typically held on our balance sheet for 10 to 20 days. We have agreements with mortgage lenders and purchase interests in individual loans they originate. All loans are underwritten consistent with established programs for permanent financing with financially sound investors. Substantially all loans are conforming loans. December 31, 2015 and 2014 balances are stated net of $454.8 million and $358.3 million participations sold, respectively.
Construction Loans.    Our construction loan portfolio consists primarily of single- and multi-family residential properties and commercial projects used in manufacturing, warehousing, service or retail businesses. Our construction loans generally have terms of one to three years. We typically make construction loans to developers, builders and contractors that have an established record of successful project completion and loan repayment and have a substantial equity investment in the borrowers. Loan amounts are derived primarily from the Bank's evaluation of expected cash flows available to service debt from stabilized projects under hypothetically stressed conditions. Construction loans are also based in part upon estimates of costs and value associated with the completed project. Sources of repayment for these types of loans may be pre-committed permanent loans from other lenders, sales of developed property, or an interim loan commitment from us until permanent financing is obtained. The nature of these loans makes ultimate repayment sensitive to overall economic conditions. Borrowers may not be able to correct conditions of default in loans, increasing risk of exposure to classification, non-performing status, reserve allocation and actual credit loss and foreclosure. These loans typically have floating rates and commitment fees.
Real Estate Loans.    A portion of our real estate loan portfolio is comprised of loans secured by properties other than market risk or investment-type real estate. Market risk loans are real estate loans where the primary source of repayment is expected to come from the sale, permanent financing or lease of the real property collateral. We generally provide temporary financing for commercial and residential property. These loans are viewed primarily as cash flow loans and secondarily as loans secured by real estate. Our real estate loans generally have maximum terms of five to seven years, and we provide loans with both floating and fixed rates. We generally avoid long-term loans for commercial real estate held for investment. Real estate loans may be more adversely affected by conditions in the real estate markets or in the general economy. Appraised values may be highly variable due to market conditions and the impact of the inability of potential purchasers and lessees to obtain financing and a lack of transactions at comparable values.
At December 31, 2015 and 2014, we had a blanket floating lien on certain real estate-secured loans, mortgage finance loans and also certain securities used as collateral for FHLB borrowings.
Summary of Loan Losses
The allowance for loan losses is comprised of specific reserves for impaired loans and an estimate of losses inherent in the portfolio at the balance sheet date, but not yet identified with specified loans. We consider the allowance at December 31, 2015 to be appropriate, given management's assessment of potential losses inherent in the portfolio as of the evaluation date, the significant growth in the loan and lease portfolio, current economic conditions in our market areas and other factors.
The following tables summarize the credit risk profile of our loan portfolio by internally assigned grades and non-accrual status as of December 31, 2015 and 2014 (in thousands):

Commercial

Mortgage
Finance

Construction

Real Estate

Consumer

Equipment Leases

Total
December 31, 2015

Grade:

Pass
$
6,375,332

$
4,966,276

$
1,821,678

$
3,085,463

$
25,093

$
103,560

$
16,377,402

Special mention
111,911

—

13,090

30,585

3

334

155,923

Substandard- accruing
46,731

—

281

3,837

227

4,951

56,027

Non-accrual
138,657

—

16,668

19,312

—

5,151

179,788

Total loans held for investment
$
6,672,631

$
4,966,276

$
1,851,717

$
3,139,197

$
25,323

$
113,996

$
16,769,140

Commercial

Mortgage
Finance

Construction

Real Estate

Consumer

Equipment Leases

Total
December 31, 2014

Grade:

Pass
$
5,738,474

$
4,102,125

$
1,414,671

$
2,785,804

$
19,579

$
91,044

$
14,151,697

Special mention
53,839

—

1,734

8,723

11

4,363

68,670

Substandard-accruing
43,784

—

—

2,653

47

3,915

50,399

Non-accrual
33,122

—

—

9,947

62

173

43,304

Total loans held for investment
$
5,869,219

$
4,102,125

$
1,416,405

$
2,807,127

$
19,699

$
99,495

$
14,314,070

The following tables detail activity in the reserve for loan losses by portfolio segment for the years ended December 31, 2015 and 2014 (in thousands). Allocation of a portion of the reserve to one category of loans does not preclude its availability to absorb losses in other categories.

Commercial

Mortgage
Finance

Construction

Real
Estate

Consumer

Equipment Leases

Additional Qualitative Reserve

Total
December 31, 2015

Beginning balance
$
70,654

$
—

$
7,935

$
15,582

$
240

$
1,141

$
5,402

$
100,954

Provision for loan losses
53,102

—

(1,499
)

(1,845
)

(13
)

2,777

(1,223
)

51,299

Charge-offs
16,254

—

—

389

62

25

—

16,730

Recoveries
4,944

—

400

33

173

38

—

5,588

Net charge-offs (recoveries)
11,310

—

(400
)

356

(111
)

(13
)

—

11,142

Ending balance
$
112,446

$
—

$
6,836

$
13,381

$
338

$
3,931

$
4,179

$
141,111

Period end amount allocated to:

Loans individually evaluated for impairment
$
19,840

$
—

$
—

$
1,191

$
—

$
2,436

$
—

$
23,467

Loans collectively evaluated for impairment
92,606

—

6,836

12,190

338

1,495

4,179

117,644

Ending balance
$
112,446

$
—

$
6,836

$
13,381

$
338

$
3,931

$
4,179

$
141,111


Commercial

Mortgage
Finance

Construction

Real
Estate

Consumer

Equipment Leases

Additional Qualitative Reserve

Total
December 31, 2014

Beginning balance
$
39,868

$
—

$
14,553

$
24,210

$
149

$
3,105

$
5,719

$
87,604

Provision for loan losses
37,827

—

(6,618
)

(8,411
)

195

(3,046
)

(317
)

19,630

Charge-offs
9,803

—

—

296

266

—

—

10,365

Recoveries
2,762

—

—

79

162

1,082

—

4,085

Net charge-offs (recoveries)
7,041

—

—

217

104

(1,082
)

—

6,280

Ending balance
$
70,654

$
—

$
7,935

$
15,582

$
240

$
1,141

$
5,402

$
100,954

Period end amount allocated to:

Loans individually evaluated for impairment
$
7,705

$
—

$
—

$
636

$
9

$
26

$
—

$
8,376

Loans collectively evaluated for impairment
62,949

—

7,935

14,946

231

1,115

5,402

92,578

Ending balance
$
70,654

$
—

$
7,935

$
15,582

$
240

$
1,141

$
5,402

$
100,954

We have traditionally maintained an additional qualitative reserve component to compensate for the uncertainty and complexity in estimating loan and lease losses including factors and conditions that may not be fully reflected in the determination and application of the allowance allocation percentages. We believe the level of additional qualitative reserves at December 31, 2015 and 2014 is warranted due to the continued uncertain economic environment which has produced losses, including those resulting from borrowers' misstatement of financial information or inaccurate certification of collateral values. Such losses are not necessarily correlated with historical loss trends or general economic conditions. Our methodology used to calculate the allowance considers historical losses; however, the historical loss rates for specific product types or credit risk grades may not fully incorporate the effects of continued weakness in the economy.
Our recorded investment in loans as of December 31, 2015 and 2014 related to each balance in the allowance for loan losses by portfolio segment and disaggregated on the basis of our impairment methodology was as follows (in thousands):

Commercial

Mortgage
Finance

Construction

Real
Estate

Consumer

Equipment Leases

Total
December 31, 2015

Loans individually evaluated for impairment
$
140,479

$
—

$
16,668

$
21,042

$
—

$
5,151

$
183,340

Loans collectively evaluated for impairment
6,532,152

4,966,276

1,835,049

3,118,155

25,323

108,845

16,585,800

Total
$
6,672,631

$
4,966,276

$
1,851,717

$
3,139,197

$
25,323

$
113,996

$
16,769,140

Commercial

Mortgage
Finance

Construction

Real
Estate

Consumer

Equipment Leases

Total
December 31, 2014

Loans individually evaluated for impairment
$
35,165

$
—

$
—

$
13,880

$
62

$
173

$
49,280

Loans collectively evaluated for impairment
5,834,054

4,102,125

1,416,405

2,793,247

19,637

99,322

14,264,790

Total
$
5,869,219

$
4,102,125

$
1,416,405

$
2,807,127

$
19,699

$
99,495

$
14,314,070

Generally we place loans on non-accrual when there is a clear indication that the borrower’s cash flow may not be sufficient to meet payments as they become due, which is generally when a loan is 90 days past due. When a loan is placed on non-accrual status, all previously accrued and unpaid interest is reversed. Interest income is subsequently recognized on a cash basis as long as the remaining unpaid principal amount of the loan is deemed to be fully collectible. If collectability is questionable, then cash payments are applied to principal. We recognized $1.6 million in interest income on non-accrual loans during 2015 compared to $1.7 million in 2014 and $2.4 million in 2013. Additional interest income that would have been recorded if the loans had been current during the years ended December 31, 2015, 2014 and 2013 totaled $7.0 million, $2.1 million and $2.5 million, respectively. As of December 31, 2015, $884,000 of our non-accrual loans were earning on a cash basis, compared to $310,000 at December 31, 2014. A loan is placed back on accrual status when both principal and interest are current and it is probable that we will be able to collect all amounts due (both principal and interest) according to the terms of the loan agreement.
A loan held for investment is considered impaired when, based on current information and events, it is probable that we will be unable to collect all amounts due (both principal and interest) according to the terms of the loan agreement. In accordance with ASC 310, Receivables, we have included all restructured loans in our impaired loan totals. The following tables detail our impaired loans, by portfolio class as of December 31, 2015 and 2014 (in thousands):
December 31, 2015


Recorded
Investment

Unpaid
Principal
Balance

Related
Allowance

Average
Recorded
Investment

Interest
Income
Recognized
With no related allowance recorded:

Commercial

Business loans
$
11,097

$
13,529

$
—

$
17,311

$
—

Energy loans
37,968

37,968

—

21,791

36

Construction

Market risk
16,668

16,668

—

9,764

—

Real estate

Market risk
—

—

—

3,352

—

Commercial
15,353

15,353

—

4,364

24

Secured by 1-4 family
—

—

—

—

—

Consumer
—

—

—

—

—

Equipment leases
2,417

2,417

—

3,233

—

Total impaired loans with no allowance recorded
$
83,503

$
85,935

$
—

$
59,815

$
60

With an allowance recorded:

Commercial

Business loans
$
20,983

$
25,300

$
5,737

$
31,131

$
—

Energy loans
70,431

70,431

14,103

6,641

—

Construction

Market risk
—

—

—

—

—

Real estate

Market risk
5,335

5,335

1,066

2,558

—

Commercial
—

—

—

306

—

Secured by 1-4 family
354

354

125

1,580

—

Consumer
—

—

—

10

—

Equipment leases
2,734

2,734

2,436

302

—

Total impaired loans with an allowance recorded
$
99,837

$
104,154

$
23,467

$
42,528

$
—

Combined:

Commercial

Business loans
$
32,080

$
38,829

$
5,737

$
48,442

$
—

Energy loans
108,399

108,399

14,103

28,432

36

Construction

Market risk
16,668

16,668

—

9,764

—

Real estate

Market risk
5,335

5,335

1,066

5,910

—

Commercial
15,353

15,353

—

4,670

24

Secured by 1-4 family
354

354

125

1,580

—

Consumer
—

—

—

10

—

Equipment leases
5,151

5,151

2,436

3,535

—

Total impaired loans
$
183,340

$
190,089

$
23,467

$
102,343

$
60

December 31, 2014


Recorded
Investment

Unpaid
Principal
Balance

Related
Allowance

Average
Recorded
Investment

Interest
Income
Recognized
With no related allowance recorded:

Commercial

Business loans
$
9,608

$
11,857

$
—

$
7,334

$
—

Energy loans
—

—

—

375

25

Construction

Market risk
—

—

—

118

—

Real estate

Market risk
3,735

3,735

—

7,970

—

Commercial
3,521

3,521

—

2,795

—

Secured by 1-4 family
—

—

—

1,210

—

Consumer
—

—

—

—

—

Equipment leases
—

—

—

—

—

Total impaired loans with no allowance recorded
$
16,864

$
19,113

$
—

$
19,802

$
25

With an allowance recorded:

Commercial

Business loans
$
24,553

$
25,553

$
7,433

$
17,705

$
—

Energy loans
1,004

1,004

272

991

—

Construction

Market risk
—

—

—

—

—

Real estate

Market risk
4,203

4,203

317

5,064

—

Commercial
526

526

79

705

—

Secured by 1-4 family
1,895

1,895

240

2,119

—

Consumer
62

62

9

16

—

Equipment leases
173

173

26

41

—

Total impaired loans with an allowance recorded
$
32,416

$
33,416

$
8,376

$
26,641

$
—

Combined:

Commercial

Business loans
$
34,161

$
37,410

$
7,433

$
25,039

$
—

Energy loans
1,004

1,004

272

1,366

25

Construction

Market risk
—

—

—

118

—

Real estate

Market risk
7,938

7,938

317

13,034

—

Commercial
4,047

4,047

79

3,500

—

Secured by 1-4 family
1,895

1,895

240

3,329

—

Consumer
62

62

9

16

—

Equipment leases
173

173

26

41

—

Total impaired loans
$
49,280

$
52,529

$
8,376

$
46,443

$
25

Average impaired loans outstanding during the years ended December 31, 2015, 2014 and 2013 totaled $102.3 million, $46.4 million and $50.8 million respectively.
The table below provides an age analysis of our loans held for investment as of December 31, 2015 (in thousands):

30-59 Days
Past Due

60-89 Days
Past Due

Greater Than
90 Days(1)

Total Past
Due

Non-accrual

Current

Total
Commercial

Business loans
$
15,847

$
3,666

$
7,013

$
26,526

$
30,258

$
5,577,523

$
5,634,307

Energy
500

—

—

500

108,399

929,425

1,038,324

Mortgage finance loans
—

—

—

—

—

4,966,276

4,966,276

Construction

Market risk
—

—

—

—

16,668

1,824,936

1,841,604

Secured by 1-4 family
—

—

—

—

—

10,113

10,113

Real estate

Market risk
—

—

—

—

3,605

2,402,640

2,406,245

Commercial
17,729

—

—

17,729

15,353

612,711

645,793

Secured by 1-4 family
2,319

—

—

2,319

354

84,486

87,159

Consumer
659

—

—

659

—

24,664

25,323

Equipment leases
91

—

—

91

5,151

108,754

113,996

Total loans held for investment
$
37,145

$
3,666

$
7,013

$
47,824

$
179,788

$
16,541,528

$
16,769,140

(1)
Loans past due 90 days and still accruing includes premium finance loans of $6.6 million. These loans are generally secured by obligations of insurance carriers to refund premiums on cancelled insurance policies. The refund of premiums from the insurance carriers can take 180 days or longer from the cancellation date.
Restructured loans are loans on which, due to the borrower’s financial difficulties, we have granted a concession that we would not otherwise consider for borrowers of similar credit quality. This may include a transfer of real estate or other assets from the borrower, a modification of loan terms, or a combination of the two. Modifications of terms that could potentially qualify as a restructuring include reduction of contractual interest rate, extension of the maturity date at a contractual interest rate lower than the current rate for new debt with similar risk, or a reduction of the face amount of debt, or forgiveness of either principal or accrued interest. As of December 31, 2015 and December 31, 2014, we had $249,000 and $1.8 million, respectively, in loans considered restructured that are not on non-accrual. These loans did not have unfunded commitments at December 31, 2015 or 2014. Of the non-accrual loans at December 31, 2015 and 2014, $24.9 million and $12.1 million, respectively, met the criteria for restructured. These loans had no unfunded commitments at their respective balance sheet dates. A loan continues to qualify as restructured until a consistent payment history or change in borrower’s financial condition has been evidenced, generally no less than twelve months. Assuming that the restructuring agreement specifies an interest rate at the time of the restructuring that is greater than or equal to the rate that we are willing to accept for a new extension of credit with comparable risk, then the loan no longer has to be considered a restructuring if it is in compliance with modified terms in calendar years after the year of the restructure.
The following tables summarize, as of December 31, 2015 and 2014, loans that have been restructured during 2015 and 2014 (in thousands):
December 31, 2015


Number of
Contracts

Pre-Restructuring
Outstanding Recorded
Investment

Post-Restructuring
Outstanding Recorded
Investment
Commercial business loans
5

$
20,459

$
14,992

Total new restructured loans in 2015
5

$
20,459

$
14,992

December 31, 2014


Number of
Contracts

Pre-Restructuring
Outstanding Recorded
Investment

Post-Restructuring
Outstanding Recorded
Investment
Real estate - commercial
1

$
1,441

$
1,441

Commercial business loans
1

95

80

Total new restructured loans in 2014
2

$
1,536

$
1,521

The restructured loans generally include terms to temporarily place the loan on interest only, extend the payment terms or reduce the interest rate. We did not forgive any principal on the above loans. The $5.5 million decrease in the post-restructuring recorded investment compared to the pre-restructuring recorded investment is due to paydowns. At December 31, 2015, $15.0 million of the above loans restructured in 2015 are on non-accrual. The restructuring of the loans did not have a significant impact on our allowance for loan losses at December 31, 2015 or 2014.
The following table provides information on how loans were modified as a restructured loan during the year ended December 31, 2015 and 2014 (in thousands):

December 31,

2015

2014
Extended maturity
$
—

$
1,441

Combination of maturity extension and payment schedule adjustment
14,992

80

Total
$
14,992

$
1,521

As of December 31, 2015 and 2014, we did not have any loans that were restructured within the last 12 months that subsequently defaulted.

X

- References
No definition available.
+ Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableGrossAllowanceAndNetAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for claims held for amounts due a entity, excluding financing receivables. Examples include, but are not limited to, trade accounts receivables, notes receivables, loans receivables. Includes disclosure for allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5066-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.3,4)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5162-111524

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(k))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5074-111524

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 3, 4
-Article 5

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 7
-Article 9

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph k
-Article 4
+ Details

Name: us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 26 R11.htm IDEA: XBRL DOCUMENT v3.3.1.900

OREO and Valuation Allowance for Losses on OREO
12 Months Ended

Dec. 31, 2015

Real Estate Owned, Disclosure of Detailed Components [Abstract]

OREO and Valuation Allowance for Losses on OREO
OREO and Valuation Allowance for Losses on OREO
The table below presents a summary of the activity related to OREO (in thousands):

Year ended December 31,

2015

2014

2013
Beginning balance
$
568

$
5,110

$
15,991

Additions
1,267

851

1,331

Sales
(1,557
)

(5,393
)

(11,292
)
Valuation allowance for OREO
—

—

958

Direct write-downs
—

—

(1,878
)
Ending balance
$
278

$
568

$
5,110

X

- References
No definition available.
+ Details

Name: us-gaap_RealEstateOwnedDisclosureOfDetailedComponentsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for real estate owned (as defined). Generally, the largest component of real estate owned by lenders is assets taken in settlement of troubled loans through surrender or foreclosure. Real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 40
-Section 40
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6905009&loc=d3e18551-111553

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 40
-Section 40
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6905009&loc=d3e18511-111553

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 45
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4437-111522

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 360
-SubTopic 10
-Section 35
-Paragraph 17
-URI http://asc.fasb.org/extlink&oid=29634951&loc=d3e1424-110224

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.10(4))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 360
-SubTopic 10
-Section 35
-Paragraph 43
-URI http://asc.fasb.org/extlink&oid=29634951&loc=d3e1739-110224

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 10
-Subparagraph 4
-Article 9

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 11
-Article 9

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph c
-Subparagraph Schedule III
-Article 5

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 28
-Article 12
+ Details

Name: us-gaap_RealEstateOwnedTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 27 R12.htm IDEA: XBRL DOCUMENT v3.3.1.900

Certain Transfers of Financial Assets
12 Months Ended

Dec. 31, 2015

Transfers and Servicing [Abstract]

Certain Transfers of Financial Assets
Certain Transfers of Financial Assets
Through our MCA business, we commit to purchase residential mortgage loans from independent correspondent lenders and deliver those loans into the secondary market via whole loans sales to independent third parties or in securitization transactions to GSEs such as Fannie Mae, Freddie Mac or Ginnie Mae. We have elected to carry these loans at fair value based on sales commitments and market quotes. Changes in the fair value of the loans held for sale are included in other non-interest income.
Residential mortgage loans are subject to both credit and interest rate risk. Credit risk is managed through underwriting policies and procedures, including collateral requirements, which are generally accepted by the secondary loan markets. Exposure to interest rate fluctuations is partially managed through forward sales contracts, which set the price for loans that will be delivered in the next 60 to 90 days.
The table below presents the unpaid principal balance of loans held for sale and related fair values at December 31, 2015 (in thousands):

December 31, 2015

Unpaid Principal Balance
Fair Value
Fair Value Over/(Under) Unpaid Principal Balance
Loans held for sale
$
82,853

$
86,075

$
3,222

No loans held for sale were 90 days or more past due or considered impaired as of December 31, 2015, and no credit losses were recognized on loans held for sale for the year ended December 31, 2015.
The differences between the fair value and the aggregate unpaid principal balance include changes in fair value recorded at and subsequent to purchase, gains and losses on the related loan purchase commitment prior to purchase and premiums or discounts on acquired loans.
We generally retain the right to service the loans sold, creating MSR assets on our balance sheet. A summary of MSR activities for the year ended December 31, 2015 is as follows (in thousands):

2015
Balance, beginning of year
$
—

Capitalized servicing rights
437

Amortization
(14
)
Balance, end of year
$
423

Fair value
$
423

At December 31, 2015, our servicing portfolio of loans sold included 168 loans with an outstanding principal balance of $39.0 million. In connection with the servicing of these loans, we maintain escrow funds for taxes and insurance in the name of investors, as well as collections in transit to investors. These escrow funds are segregated and held in separate non-interest-bearing bank accounts at the Bank. These deposits, included in total non-interest-bearing deposits on the consolidated balance sheets, were $240,000 at December 31, 2015.
For loans securitized and sold for the year ended December 31, 2015 with servicing rights retained, management used the following assumptions to determine the fair value of MSRs at the date of securitization or sale:

2015
Average discount rates
9.76
%
Expected prepayment speeds
9.14
%
Weighted-average life, in years
7.3

In conjunction with the sale and securitization of loans held for sale, we may be exposed to liability resulting from recourse agreements and repurchase agreements. If it is determined subsequent to our sale of a loan that the loan sold is in breach of the representations or warranties made in the applicable sale agreement, we may have an obligation to either (a) repurchase the loan for the unpaid principal balance, accrued interest and related advances, (b) indemnify the purchaser against any loss it suffers or (c) make the purchaser whole for the economic benefits of the loan. During the year ended December 31, 2015, we originated or purchased and sold approximately $39.1 million of mortgage loans to GSEs.
Our repurchase, indemnification and make whole obligations vary based upon the terms of the applicable agreements, the nature of the asserted breach and the status of the mortgage loan at the time a claim is made. We establish reserves for estimated losses of this nature inherent in the origination of mortgage loans by estimating the probable losses inherent in the population of all loans sold based on trends in claims and actual loss severities experienced. The reserve will include accruals for probable contingent losses in addition to those identified in the pipeline of claims received. The estimation process is designed to include amounts based on actual losses experienced from actual repurchase activity.
Because the MCA business commenced in 2015, we have no historical data to support the establishment of a reserve. The baseline for the repurchase reserve uses historical loss factors obtained from industry data that are applied to loan pools originated and sold during the year ended December 31, 2015. The historical industry data loss factors and experienced losses will be accumulated for each sale vintage (year loan was sold) and applied to more recent sale vintages to estimate inherent losses not yet realized. Our estimated exposure related to these loans was $20,000 at December 31, 2015 and is recorded in other liabilities in the consolidated balance sheets. We had no losses due to repurchase, indemnification or make-whole obligations during the year ended December 31, 2015.

X

- References
No definition available.
+ Details

Name: us-gaap_TransfersAndServicingAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for a transferor's continuing involvement in financial assets that it has transferred in a securitization or asset-backed financing arrangement, the nature of any restrictions on assets reported by an entity in its statement of financial position that relate to a transferred financial asset (including the carrying amounts of such assets), how servicing assets and servicing liabilities are reported, and (for securitization or asset-backed financing arrangements accounted for as sales) when a transferor has continuing involvement with the transferred financial assets and transfers of financial assets accounted for as secured borrowings, how the transfer of financial assets affects an entity's financial position, financial performance, and cash flows.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 20
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=13989330&loc=d3e107207-111719

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 50
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=7882072&loc=d3e122596-111746

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 50
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=7882072&loc=d3e122739-111746

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 50
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=7882072&loc=d3e122625-111746

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 10
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=7519067&loc=SL6226446-111709

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 20
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=13989330&loc=d3e107314-111719

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=7519067&loc=SL6226443-111709
+ Details

Name: us-gaap_TransfersAndServicingOfFinancialAssetsTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 28 R13.htm IDEA: XBRL DOCUMENT v3.3.1.900

Goodwill and Other Intangible Assets
12 Months Ended

Dec. 31, 2015

Goodwill and Intangible Assets Disclosure [Abstract]

Goodwill and Other Intangible Assets
Goodwill and Other Intangible Assets
In May 2013, we acquired the assets of a premium finance company and recorded a total intangible asset of $2.1 million. Of this total, $954,000 was allocated to goodwill, $554,000 to customer relationships, $457,000 to developed technology and $98,000 to trade name. The $554,000 customer relationship intangible is being amortized over 14 years, the $457,000 technology intangible is being amortized over 7 years, and the $98,000 intangible related to the trade name was determined to have an indefinite life.
Goodwill and other intangible assets at December 31, 2015 and 2014 are summarized as follows (in thousands):

Gross Goodwill
and Intangible
Assets

Accumulated
Amortization

Net
Goodwill
and
Intangible
Assets
December 31, 2015

Goodwill
$
15,370

$
(374
)

$
14,996

Intangible assets—customer relationships and trademarks
9,104

(4,140
)

4,964

Total goodwill and intangible assets
$
24,474

$
(4,514
)

$
19,960

December 31, 2014

Goodwill
$
15,370

$
(374
)

$
14,996

Intangible assets—customer relationships and trademarks
9,104

(3,512
)

5,592

Total goodwill and intangible assets
$
24,474

$
(3,886
)

$
20,588

Amortization expense related to intangible assets totaled $628,000 in 2015, $699,000 in 2014 and $660,000 in 2013. The estimated aggregate future amortization expense for intangible assets remaining as of December 31, 2015 is as follows (in thousands):
2016
$
471

2017
473

2018
473

2019
473

2020
435

Thereafter
2,639

$
4,964

X

- References
No definition available.
+ Details

Name: us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for the aggregate amount of goodwill and a description of intangible assets, which may include (a) for amortizable intangible assets (also referred to as finite-lived intangible assets), the carrying amount, the amount of any significant residual value, and the weighted-average amortization period, (b) for intangible assets not subject to amortization (also referred to as indefinite-lived intangible assets), the carrying amount, and (c) the amount of research and development assets acquired and written off in the period, including the line item in the income statement in which the amounts written off are aggregated, if not readily apparent from the income statement. Also discloses (a) for amortizable intangibles assets in total and by major class, the gross carrying amount and accumulated amortization, the total amortization expense for the period, and the estimated aggregate amortization expense for each of the five succeeding fiscal years, (b) for intangible assets not subject to amortization the carrying amount in total and by major class, and (c) for goodwill, in total and for each reportable segment, the changes in the carrying amount of goodwill during the period (including the aggregate amount of goodwill acquired, the aggregate amount of impairment losses recognized, and the amount of goodwill included in the gain (loss) on disposal of a reporting unit). If any part of goodwill has not been allocated to a reportable segment, discloses the unallocated amount and the reasons for not allocating. For each impairment loss recognized related to an intangible asset (excluding goodwill), discloses: (a) a description of the impaired intangible asset and the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method for determining fair value, (c) the caption in the income statement or the statement of activities in which the impairment loss is aggregated, and (d) the segment in which the impaired intangible asset is reported. For each goodwill impairment loss recognized, discloses: (a) a description of the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method of determining the fair value of the associated reporting unit, and (c) if a recognized impairment loss is an estimate not finalized and the reasons why the estimate is not final. May also disclose the nature and amount of any significant adjustments made to a previous estimate of an impairment loss.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 30
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=26713463&loc=d3e16373-109275

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 30
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=26713463&loc=d3e16265-109275

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 30
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=26713463&loc=d3e16323-109275

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 20
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=35741047&loc=d3e13816-109267

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 20
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=35741047&loc=d3e13854-109267
+ Details

Name: us-gaap_GoodwillAndIntangibleAssetsDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 29 R14.htm IDEA: XBRL DOCUMENT v3.3.1.900

Premises and Equipment
12 Months Ended

Dec. 31, 2015

Property, Plant and Equipment [Abstract]

Premises and Equipment
Premises and Equipment
Premises and equipment at December 31, 2015 and 2014 are summarized as follows (in thousands):

December 31,

2015

2014
Premises
$
21,020

$
24,339

Furniture and equipment
26,185

22,418

47,205

46,757

Accumulated depreciation
(23,644
)

(23,622
)
Total premises and equipment, net
$
23,561

$
23,135

Depreciation expense for the above premises and equipment was approximately $4.6 million, $4.1 million and $4.0 million in 2015, 2014 and 2013, respectively.

X

- References
No definition available.
+ Details

Name: us-gaap_PropertyPlantAndEquipmentAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for long-lived, physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, accounting policies and methodology, roll forwards, depreciation, depletion and amortization expense, including composite depreciation, accumulated depreciation, depletion and amortization expense, useful lives and method used, income statement disclosures, assets held for sale and public utility disclosures.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.13-14)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 205
-SubTopic 20
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6360339&loc=d3e1361-107760

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 360
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6391110&loc=d3e2921-110230

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 360
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229
+ Details

Name: us-gaap_PropertyPlantAndEquipmentDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 30 R15.htm IDEA: XBRL DOCUMENT v3.3.1.900

Deposits
12 Months Ended

Dec. 31, 2015

Deposits [Abstract]

Deposits
Deposits
Deposits at December 31, 2015 and 2014 were as follows (in thousands):

2015

2014
Non-interest-bearing demand deposits
$
6,386,911

$
5,011,619

Interest-bearing deposits

Transaction
2,006,591

1,292,388

Savings
6,163,622

5,630,253

Time
527,495

426,331

Deposits in foreign branches
—

312,709

Total interest-bearing deposits
8,697,708

7,661,681

Total deposits
$
15,084,619

$
12,673,300

The scheduled maturities of interest-bearing time deposits were as follows at December 31, 2015 (in thousands):

2016
$
502,113

2017
18,138

2018
1,646

2019
4,001

2020
1,597

2021 and after
—

$
527,495

At December 31, 2015 and 2014, the Bank had approximately $16.6 million and $23.5 million, respectively, in deposits from related parties, including directors, stockholders, and their related affiliates.
At December 31, 2015 and 2014, interest-bearing time deposits, including deposits in foreign branches, of $250,000 or more were approximately $274.4 million and $527.6 million, respectively.

X

- Definition
The entire disclosure for deposit liabilities including data and tables. It may include a description of the entity's deposit liabilities, the aggregate amount of time deposits (including certificates of deposit) in denominations of $100,000 or more at the balance sheet date; the aggregate amount of any demand deposits that have been reclassified as loan balances, such as overdrafts, at the balance sheet date; deposits that are received on terms other than those in the normal course of business, the amount of accrued interest on deposit liabilities; securities, mortgage loans or other financial instruments that serve as collateral for deposits; for time deposits having a remaining term of more than one year, the aggregate amount of maturities for each of the five years following the balance sheet date; and the weighted average interest rate for all deposit liabilities held by the entity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 405
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6479006&loc=d3e64164-112818

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.12)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878
+ Details

Name: us-gaap_DepositLiabilitiesDisclosuresTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_DepositsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 31 R16.htm IDEA: XBRL DOCUMENT v3.3.1.900

Borrowing Arrangements
12 Months Ended

Dec. 31, 2015

Debt Disclosure [Abstract]

Borrowing Arrangements
Borrowing Arrangements
The following table summarizes our borrowings at December 31, 2015, 2014 and 2013 (in thousands):

2015

2014

2013

Balance

Rate(3)

Balance

Rate(3)

Balance

Rate(3)
Federal funds purchased(4)
$
74,164

0.55
%

$
66,971

0.30
%

$
148,650

0.22
%
Customer repurchase agreements(1)
68,887

0.02
%

25,705

0.07
%

21,954

0.06
%
FHLB borrowings(2)
1,500,000

0.31
%

1,100,005

0.13
%

840,026

0.12
%
Line of credit
—

—
%

—

—
%

15,000

2.65
%
Subordinated notes
286,000

5.75
%

286,000

5.82
%

111,000

6.50
%
Trust preferred subordinated debentures
113,406

2.47
%

113,406

2.18
%

113,406

2.17
%
Total borrowings
$
2,042,457

$
1,592,087

$
1,250,036

Maximum outstanding at any month end
$
2,042,457

$
1,592,087

$
1,859,036

(1)
Securities pledged for customer repurchase agreements were $14.2 million, $21.8 million and $37.7 million at December 31, 2015, 2014 and 2013, respectively.
(2)
FHLB borrowings are collateralized by a blanket floating lien on certain real estate secured loans, mortgage finance assets and also certain pledged securities. The weighted-average interest rate for the years ended December 31, 2015, 2014 and 2013 was 0.18%, 0.15% and 0.14%, respectively. The average balance of FHLB borrowings for the years ended December 31, 2015, 2014 and 2013 was $1.2 billion, $213.4 million and $370.0 million, respectively.
(3)
Interest rate as of period end.
(4)
The weighted-average interest rate on Federal funds purchased for the years ended December 31, 2015, 2014 and 2013 was 0.29%, 0.27% and 0.27%, respectively. The average balance of Federal funds purchased for the years ended December 31, 2015, 2014 and 2013 was $98.8 million, $139.3 million and $254.3 million, respectively.
The following table summarizes our other borrowing capacities net of balances outstanding at December 31, 2015, 2014 and 2013 (in thousands):

2015

2014

2013
FHLB borrowing capacity relating to loans
$
4,101,396

$
3,602,994

$
693,302

FHLB borrowing capacity relating to securities
1,213

535

8,482

Total FHLB borrowing capacity
$
4,102,609

$
3,603,529

$
701,784

Unused Federal funds lines available from commercial banks
$
1,231,000

$
1,186,000

$
890,000

Unused Federal Reserve Borrowings capacity
$
2,966,702

$
2,643,000

$
2,284,000

Our unsecured, revolving, non-amortizing line of credit had maximum availability of $100.0 million and matured on December 22, 2015. This line of credit was renewed on December 22, 2015 with a new maximum availability of $130.0 million and a maturity date of December 21, 2016. The loan proceeds may be used for general corporate purposes including funding regulatory capital infusions into the Bank. The loan agreement contains customary financial covenants and restrictions. As of December 31, 2015 and December 31, 2014, no borrowings were outstanding and no funds were borrowed during the years ended December 31, 2015 and 2014.
The scheduled maturities of our borrowings at December 31, 2015, were as follows (in thousands):

Within One
Year

After One
But Within
Three Years

After Three
But Within
Five Years

After Five
Years

Total
Federal funds purchased and customer repurchase agreements(1)
$
143,051

$
—

$
—

$
—

$
143,051

FHLB borrowings(1)
700,000

800,000

—

—

1,500,000

Subordinated notes(1)
—

—

—

286,000

286,000

Trust preferred subordinated debentures(1)
—

—

—

113,406

113,406

Total borrowings
$
843,051

$
800,000

$
—

$
399,406

$
2,042,457

(1)
Excludes interest.

X

- References
No definition available.
+ Details

Name: us-gaap_DebtDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21475-112644

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.19,20,22)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 19, 20, 22
-Article 5
+ Details

Name: us-gaap_DebtDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 32 R17.htm IDEA: XBRL DOCUMENT v3.3.1.900

Long-Term Debt
12 Months Ended

Dec. 31, 2015

Subordinated Borrowings [Abstract]

Long-Term Debt
Long-Term Debt
From November 2002 to September 2006 various Texas Capital Statutory Trusts were created and subsequently issued floating rate trust preferred securities in various private offerings totaling $113.4 million. As of December 31, 2015, the details of the trust preferred subordinated debentures are summarized below (in thousands):

Texas Capital
Bancshares
Statutory Trust I

Texas Capital
Statutory
Trust II

Texas Capital
Statutory
Trust III

Texas Capital
Statutory
Trust IV

Texas Capital
Statutory Trust V
Date issued
November 19, 2002

April 10, 2003

October 6, 2005

April 28, 2006

September 29, 2006
Trust preferred securities issued
$10,310

$10,310

$25,774

$25,774

$41,238
Floating or fixed rate securities
Floating

Floating

Floating

Floating

Floating
Interest rate on subordinated debentures
3 month LIBOR
+ 3.35%

3 month LIBOR
+ 3.25%

3 month LIBOR
+ 1.51%

3 month LIBOR
+ 1.60%

3 month LIBOR
+ 1.71%
Maturity date
November 2032

April 2033

December 2035

June 2036

December 2036

On September 21, 2012, we issued $111.0 million of subordinated notes. The notes mature in September 2042 and bear interest at a rate of 6.50% per annum, payable quarterly. The indenture governing the notes contains customary covenants and restrictions.
On January 31, 2014, the Bank issued $175.0 million of subordinated notes in an offering to institutional investors exempt from registration under Section 3(a)(2) of the Securities Act of 1933 and 12 C.F.R. Part 16. Net proceeds from the transaction were $172.4 million. The notes mature in January 2026 and bear interest at a rate of 5.25% per annum, payable semi-annually. The notes are unsecured and are subordinate to the Bank’s obligations to its depositors, its obligations under banker’s acceptances and letters of credit, certain obligations to Federal Reserve Banks and the FDIC and the Bank’s obligations to its other creditors, except any obligations which expressly rank on a parity with or junior to the notes. The notes qualify as Tier 2 capital for regulatory capital purposes, subject to applicable limitations.
Interest payments on all long-term debt are deductible for federal income tax purposes.
Because our Bank had less than $15.0 billion in total consolidated assets as of December 31, 2009, we are allowed to continue to classify our trust preferred securities, all of which were issued prior to May 19, 2010, as Tier 1 capital.

X

- References
No definition available.
+ Details

Name: us-gaap_SubordinatedBorrowingsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for borrowings under subordinated debt agreements that qualify as available in computing net capital under SEC's uniform net capital rule, including restrictive covenants, collateral, interest rates and due dates, amounts due by date and amount owed in total.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 470
-Section 45
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6479118&loc=d3e64650-112822
+ Details

Name: us-gaap_SubordinatedBorrowingsDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 33 R18.htm IDEA: XBRL DOCUMENT v3.3.1.900

Income Taxes
12 Months Ended

Dec. 31, 2015

Income Tax Disclosure [Abstract]

Income Taxes
Income Taxes
We have a gross deferred tax asset of $78.8 million and $65.5 million at December 31, 2015 and 2014, respectively, which relates primarily to our allowance for loan losses, loan origination fees and stock compensation. Management believes it is more likely than not that all of the deferred tax assets will be realized. Our net deferred tax asset is included in other assets in the consolidated balance sheets.
Income tax expense/(benefit) consists of the following for the years ended (in thousands):

Year ended December 31,

2015

2014

2013
Current:

Federal
$
80,957

$
77,855

$
76,478

State
2,245

2,124

1,878

Total
83,202

79,979

78,356

Deferred

Federal
(3,561
)

(3,969
)

(11,599
)
State
—

—

—

Total
(3,561
)

(3,969
)

(11,599
)
Total expense

Federal
77,396

73,886

64,879

State
2,245

2,124

1,878

Total
$
79,641

$
76,010

$
66,757

The tax effect of unrealized gains and losses on available-for-sale securities is recorded to other comprehensive income and is not a component of income tax expense/(benefit).
Deferred income taxes reflect the net tax effects of temporary differences between the carrying amounts of assets and liabilities for financial reporting purposes and the amounts used for income tax purposes. Significant components of deferred tax assets and liabilities are as follows (in thousands):

December 31,

2015

2014
Deferred tax assets:

Allowance for credit losses
$
53,368

$
38,356

Loan origination fees
13,435

13,651

Stock compensation
5,509

8,263

Mark to market on mortgage loans
184

215

Reserve for potential mortgage loan repurchases
—

20

Non-accrual interest
1,198

1,272

Deferred lease expense
3,779

1,688

Depreciation
—

691

OREO valuation allowance
8

22

Other
1,299

1,298

Total deferred tax assets
78,780

65,476

Deferred tax liabilities:

Loan origination costs
(1,726
)

(1,488
)
Leases
(10,121
)

(9,466
)
Depreciation
(8,296
)

—

Unrealized gain on securities
(387
)

(694
)
Other
(2,468
)

(1,914
)
Total deferred tax liabilities
(22,998
)

(13,562
)
Net deferred tax asset
$
55,782

$
51,914

ASC 740-10, Income Taxes — Accounting for Uncertainties in Income Taxes (“ASC 740-10”) prescribes a recognition threshold and a measurement attribute for the financial statement recognition and measurement of a tax position taken or expected to be taken in a tax return. Benefits from tax positions should be recognized in the financial statements only when it is more likely than not that the tax position will be sustained upon examination by the appropriate taxing authority that would have full knowledge of all relevant information. A tax position that meets the more-likely-than-not recognition threshold is measured at the largest amount of cumulative benefit that is greater than fifty percent likely of being realized upon ultimate settlement. Tax positions that previously failed to meet the more-likely-than-not recognition threshold should be recognized in the first subsequent financial reporting period in which that threshold is met. Previously recognized tax positions that no longer meet the more-likely-than-not recognition threshold should be derecognized in the first subsequent financial reporting period in which that threshold is no longer met. ASC 740-10 also provides guidance on the accounting for and disclosure of unrecognized tax benefits, interest and penalties.
We file income tax returns in the U.S. federal jurisdiction and several U.S. state jurisdictions. We are no longer subject to U.S. federal income tax examinations by tax authorities for years before 2012.
The reconciliation of income computed at the U.S. federal statutory tax rates to income tax expense (benefit) is as follows:

Year ended December 31,

2015

2014

2013
Tax at U.S. statutory rate
35
%

35
%

35
%
State taxes
1
%

1
%

1
%
Non-deductible expenses
1
%

1
%

1
%
Non-taxable income
(1
)%

(1
)%

(1
)%
Other
(1
)%

—

—

Total
35
%

36
%

36
%

X

- References
No definition available.
+ Details

Name: us-gaap_IncomeTaxDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(h))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32559-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32718-109319

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 9
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph h
-Article 4
+ Details

Name: us-gaap_IncomeTaxDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 34 R19.htm IDEA: XBRL DOCUMENT v3.3.1.900

Employee Benefits
12 Months Ended

Dec. 31, 2015

Compensation Related Costs [Abstract]

Stock-Based Compensation and Employee Benefits
Employee Benefits
We have a qualified retirement plan, with a salary deferral feature designed to qualify under Section 401 of the Internal Revenue Code (“the 401(k) Plan”). The 401(k) Plan permits our employees to defer a portion of their compensation. Matching contributions may be made in amounts and at times determined by the Company. We contributed approximately $6.3 million, $4.5 million, and $3.7 million for the years ended December 31, 2015, 2014 and 2013, respectively. Employees are eligible to participate in the 401(k) Plan when they meet certain requirements concerning minimum age and period of credited service. All contributions to the 401(k) Plan are invested in accordance with participant elections among certain investment options.
During 2000, we implemented an Employee Stock Purchase Plan (“ESPP”). Employees are eligible for the plan when they meet certain requirements concerning period of credited service and minimum hours worked. Eligible employees may contribute a minimum of 1% to a maximum of 10% of eligible compensation up to the Section 423 of the Internal Revenue Code limit of $25,000. In 2006, stockholders approved the 2006 ESPP, which allocated 400,000 shares for purchase. As of December 31, 2015, 2014 and 2013, 113,910, 102,836 and 93,388 shares had been purchased on behalf of the employees under the 2006 ESPP.
We have stock-based compensation plans under which equity-based compensation grants are made by the board of directors, or its designated committee. Grants are subject to vesting requirements. Under the plans, we may grant, among other things, nonqualified stock options, incentive stock options, restricted stock units (“RSUs”), stock appreciation rights (“SARs”), cash-based performance units or any combination thereof. Plans include grants for employees and directors. Total shares authorized under the plans are 2,550,000. Total shares which may be issued under the plans at December 31, 2015 were 2,455,048.
The fair value of our option and SAR grants are estimated at the date of grant using the Black-Scholes option pricing model. The Black-Scholes option valuation model was developed for use in estimating the fair value of traded options which have no vesting restrictions and are fully transferable. In addition, option valuation models require the input of highly subjective assumptions including the expected stock price volatility. Because our employee stock options have characteristics significantly different from those of traded options, and because changes in the subjective input assumptions can materially affect the fair value estimate, in management’s opinion, the existing models do not necessarily provide the best single measure of the fair value of employee stock options.
The fair value of the options and SARs were estimated at the date of grant using the Black-Scholes option pricing model with the following weighted-average assumptions. No stock options or SARs were granted in 2015.

2015

2014

2013
Risk-free rate
N/A

1.46
%

1.17
%
Market price volatility factor
N/A

0.402

0.409

Weighted-average expected life of options
N/A

5 years

5 years

Market price volatility and expected life of options is based on historical data and other factors.
A summary of our stock option activity and related information for 2015, 2014 and 2013 is as follows:

December 31, 2015

December 31, 2014

December 31, 2013

Options

Weighted
Average
Exercise
Price

Options

Weighted
Average
Exercise
Price

Options

Weighted
Average
Exercise
Price
Options outstanding at beginning of year
25,000

$
20.60

54,900

$
18.65

174,062

$
13.51

Options exercised
(21,000
)

20.05

(28,400
)

17.34

(119,162
)

11.14

Options forfeited
(4,000
)

23.50

(1,500
)

14.91

—

—

Options outstanding at year-end
—

$
—

25,000

$
20.60

54,900

$
18.65

Options vested and exercisable at year-end
—

$
—

25,000

$
20.60

54,900

$
18.65

Intrinsic value of options vested and exercisable
$
—

$
843,190

$
2,391,014

Weighted average remaining contractual life of options vested and exercisable (in years)

0.00

0.30

0.97

Intrinsic value of options exercised
$
565,000

$
1,193,070

$
4,176,787

Weighted average remaining contractual life of options currently outstanding (in years)

0.00

0.30

0.97

There was no expense related to stock option awards in 2015, 2014 and 2013.

A summary of our SAR activity and related information for 2015, 2014 and 2013 is as follows. These rights are time-vested and generally vest ratably over a period of five years.

December 31, 2015

December 31, 2014

December 31, 2013

SARs

Weighted
Average
Exercise
Price

SARs

Weighted
Average
Exercise
Price

SARs /
PSARs

Weighted
Average
Exercise
Price
SARs outstanding at beginning of year
445,009

$
24.83

537,149

$
23.68

640,220

$
20.90

SARs granted
—

—

8,000

62.02

53,500

43.73

SARs exercised
(84,465
)

20.97

(92,640
)

20.87

(134,271
)

19.21

SARs forfeited
—

—

(7,500
)

31.16

(22,300
)

18.99

SARs outstanding at year-end
360,544

$
25.73

445,009

$
24.83

537,149

$
23.68

SARs vested and exercisable at year-end
307,144

$
22.49

355,509

$
21.16

384,974

$
20.64

Weighted average remaining contractual life of SARs vested

2.36

2.89

3.46

Compensation expense
$
367,000

$
530,000

$
564,000

Weighted average fair value of SARs granted

$
—

$
23.02

$
16.26

Fair value of shares vested during the year
$
436,000

$
580,345

$
566,341

Weighted average remaining contractual life of SARs currently outstanding (in years)

3.08

3.85

4.68

Intrinsic value of SARs exercised
$
8,291,000

$
11,794,000

$
16,000,000

The following table summarizes the status of and changes in our RSUs:

Restricted Stock Units

Number
of Shares

Weighted-
Average Grant-
Date Fair Value
Balance, January 1, 2013
411,919

$
23.80

Granted
163,500

45.35

Vested and issued
(151,480
)

20.47

Forfeited
(20,200
)

24.96

Balance, December 31, 2013
403,739

33.72

Granted
64,050

57.84

Vested and issued
(161,249
)

26.40

Forfeited
(17,375
)

37.40

Balance, December 31, 2014
289,165

42.93

Granted
144,952

51.96

Vested and issued
(95,943
)

38.05

Forfeited
(12,200
)

43.89

Balance, December 31, 2015
325,974

$
48.42

The RSUs granted during 2015, 2014 and 2013 vest ratably over four to five years. Compensation cost for RSUs was $4.2 million, $4.1 million and $3.6 million for the years ended December 31, 2015, 2014 and 2013, respectively. The weighted average remaining contractual life of RSUs currently outstanding is 8.29 years.
Total compensation cost for all share-based arrangements, net of taxes, was $3.0 million, $3.0 million and $2.7 million for the years ended December 31, 2015, 2014 and 2013, respectively.
Unrecognized stock-based compensation expense related to SAR grants issued through December 31, 2015 was $699,000. At December 31, 2015, the weighted average period over which this unrecognized expense was expected to be recognized was 2.4 years. Unrecognized stock-based compensation expense related to RSU grants through December 31, 2015 was $13.0 million. At December 31, 2015, the weighted average period over which this unrecognized expense was expected to be recognized was 3.3 years.
Cash flows from financing activities included $1.5 million, $2.9 million and $1.2 million in cash inflows from excess tax benefits related to stock-based compensation in 2015, 2014 and 2013, respectively.
Upon the exercise of stock options, new shares are issued as opposed to treasury shares.
We granted a total of 146,153 cash-based performance units in 2015, with a total of 475,441 outstanding at December 31, 2015. We granted a total of 171,808 and 173,035 cash-based performance units in 2014 and 2013. Of the outstanding units at December 31, 2015, 385,172 are service-based and vest ratably over a period of five years. Additionally, 90,269 units contain both service and performance based vesting requirements: 25-50% of the units will vest on the third anniversary of the date of grant, and the balance will vest based on attainment of certain performance metrics developed by the Human Resources Committee. Since these units have a cash payout feature, they are accounted for under the liability method and the related expense is based on the stock price at period end. Compensation cost for the units was $7.7 million, $9.9 million and $17.3 million for the years ended December 31, 2015, 2014 and 2013 respectively. At December 31, 2015, the weighted average remaining contractual life of the units was 8.03 years.
Total compensation cost for all cash-based arrangements, net of taxes, for the years ended December 31, 2015, 2014 and 2013 was $5.0 million, $6.5 million and $11.2 million, respectively.

X

- References
No definition available.
+ Details

Name: us-gaap_CompensationRelatedCostsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for compensation-related costs for equity-based compensation, which may include disclosure of policies, compensation plan details, allocation of equity compensation, incentive distributions, equity-based arrangements to obtain goods and services, deferred compensation arrangements, employee stock ownership plan details and employee stock purchase plan details.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 40
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6418621&loc=d3e17540-113929

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 50
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6406099&loc=d3e25284-112666

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5047-113901

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5444-113901

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 14
+ Details

Name: us-gaap_DisclosureOfCompensationRelatedCostsShareBasedPaymentsTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 35 R20.htm IDEA: XBRL DOCUMENT v3.3.1.900

Financial Instruments with Off-Balance Sheet Risk
12 Months Ended

Dec. 31, 2015

Risks and Uncertainties [Abstract]

Financial Instruments with Off-Balance Sheet Risk
Financial Instruments with Off-Balance Sheet Risk
The Bank is a party to financial instruments with off-balance sheet risk in the normal course of business to meet the financing needs of its customers. These financial instruments include commitments to extend credit and standby letters of credit that involve varying degrees of credit risk in excess of the amount recognized in the consolidated balance sheets. The Bank’s exposure to credit loss in the event of non-performance by the other party to the financial instrument for commitments to extend credit and standby letters of credit is represented by the contractual amount of these instruments. The Bank uses the same credit policies in making commitments and conditional obligations as it does for on-balance sheet instruments. The amount of collateral obtained, if deemed necessary, is based on management’s credit evaluation of the borrower.
Commitments to extend credit are agreements to lend to a customer as long as there is no violation of any condition established in the contract. Commitments generally have fixed expiration dates or other termination clauses and may require payment of a fee. Since many of the commitments may expire without being drawn upon, the total commitment amounts do not necessarily represent future cash requirements. The Bank evaluates each customer’s credit-worthiness on a case-by-case basis.
Standby letters of credit are conditional commitments issued by the Bank to guarantee the performance of a customer to a third party. Those guarantees are primarily issued to support public and private borrowing arrangements. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers.
At December 31, 2015 and 2014, commitments to extend credit and standby and commercial letters of credit were as follows (in thousands):

December 31,

2015

2014
Commitments to extend credit
$
5,542,363

$
5,324,460

Standby letters of credit
182,219

177,808

At December 31, 2015 and 2014, we had $9.0 million and $7.1 million, respectively, in allowance allocations for these off-balance sheet commitments recorded in other liabilities.

X

- Definition
The entire disclosure for any concentrations existing at the date of the financial statements that make an entity vulnerable to a reasonably possible, near-term, severe impact. This disclosure informs financial statement users about the general nature of the risk associated with the concentration, and may indicate the percentage of concentration risk as of the balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 275
-SubTopic 10
-Section 50
-Paragraph 16
-URI http://asc.fasb.org/extlink&oid=6927468&loc=d3e6327-108592

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 20
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13531-108611

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 275
-SubTopic 10
-Section 50
-Paragraph 20
-URI http://asc.fasb.org/extlink&oid=6927468&loc=d3e6404-108592

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 275
-SubTopic 10
-Section 50
-Paragraph 21
-URI http://asc.fasb.org/extlink&oid=6927468&loc=d3e6442-108592

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 275
-SubTopic 10
-Section 50
-Paragraph 18
-URI http://asc.fasb.org/extlink&oid=6927468&loc=d3e6351-108592

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 21
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13537-108611
+ Details

Name: us-gaap_ConcentrationRiskDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_RisksAndUncertaintiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 36 R21.htm IDEA: XBRL DOCUMENT v3.3.1.900

Regulatory Restrictions
12 Months Ended

Dec. 31, 2015

Regulatory Capital Requirements [Abstract]

Regulatory Restrictions
Regulatory Restrictions
The Company and the Bank are subject to various regulatory capital requirements administered by the federal banking agencies. Failure to meet minimum capital requirements can initiate certain mandatory (and possibly additional discretionary) actions by regulators that, if undertaken, could have a direct material effect on the Company’s and the Bank’s financial statements. Under capital adequacy guidelines and the regulatory framework for prompt corrective action, the Company and the Bank must meet specific capital guidelines that involve quantitative measures of the Company’s and the Bank’s assets, liabilities, and certain off-balance sheet items as calculated under regulatory accounting practices. The Company’s and the Bank’s capital amounts and classification are also subject to qualitative judgments by the regulators about components, risk weightings and other factors.
In July 2013, the Federal Reserve published final rules for the adoption of the Basel III regulatory capital framework (the "Basel III Capital Rules"). The Basel III Capital Rules, among other things, (i) introduced a new capital measure called "Common Equity Tier 1" ("CET1"), (ii) specified that Tier 1 capital consist of CET1 and "Additional Tier 1 Capital" instruments meeting specified requirements, (iii) defined CET1 narrowly by requiring that most deductions/adjustments to regulatory capital measures be made to CET1 and not to the other components of capital and (iv) expanded the scope of the deductions/adjustments as compared to existing regulations. The Basel III Capital Rules became effective for us on January 1, 2015 with certain transition provisions fully phased in on January 1, 2019.
Quantitative measures established by regulation to ensure capital adequacy require the Company and the Bank to maintain minimum amounts and ratios of CET1, Tier 1 and total capital to risk-weighted assets, and of Tier 1 capital to average assets, each as defined in the regulations. Management believes, as of December 31, 2015, that the Company and the Bank meet all capital adequacy requirements to which they are subject.
Financial institutions are categorized as well capitalized or adequately capitalized, based on minimum total risk-based, Tier 1 risk-based, CET1 and Tier 1 leverage ratios. As shown in the table below, the Company’s capital ratios exceeded the regulatory definition of adequately capitalized as of December 31, 2015 and 2014. Based upon the information in its most recently filed call report, the Bank met the capital ratios necessary to be well capitalized. The regulatory authorities can apply changes in classification of assets and such change may retroactively subject the Company to change in capital ratios. Any such change could result in reducing one or more capital ratios below well-capitalized status. In addition, a change may result in imposition of additional assessments by the FDIC or could result in regulatory actions that could have a material effect on condition and results of operations.
Because our Bank had less than $15.0 billion in total consolidated assets as of December 31, 2009, we are allowed to continue to classify our trust preferred securities, all of which were issued prior to May 19, 2010, as Tier 1 capital.
The table below summarizes our capital ratios:

Actual

For Capital
Adequacy
Purposes

To Be Well Capitalized
Under Prompt Corrective
Action Provisions
(Dollars in thousands)
Amount

Ratio

Amount

Ratio

Amount

Ratio
As of December 31, 2015:

CET1:

Company
$
1,455,662

7.47
%

$
876,563

4.50
%

N/A

N/A

Bank
1,522,729

7.82
%

876,336

4.50
%

$
1,265,819

6.50
%
Total capital (to risk-weighted assets):

Company
$
2,152,292

11.05
%

$
1,558,334

8.00
%

N/A

N/A

Bank
2,058,359

10.57
%

1,557,931

8.00
%

$
1,947,414

10.00
%
Tier 1 capital (to risk-weighted assets):

Company
$
1,716,170

8.81
%

$
1,168,751

6.00
%

N/A

N/A

Bank
1,683,237

8.64
%

1,168,448

6.00
%

$
1,557,931

8.00
%
Tier 1 capital (to average assets):

Company
$
1,716,170

8.92
%

$
769,258

4.00
%

N/A

N/A

Bank
1,683,237

8.75
%

769,498

4.00
%

$
961,873

5.00
%
As of December 31, 2014:

CET1:

Company
$
1,312,225

7.89
%

$
748,445

4.50
%

N/A

N/A

Bank
1,263,569

7.60
%

748,252

4.50
%

$
1,080,809

6.50
%
Total capital (to risk-weighted assets):

Company
$
1,967,021

11.83
%

$
1,330,568

8.00
%

N/A

N/A

Bank
1,757,365

10.57
%

1,330,226

8.00
%

$
1,662,782

10.00
%
Tier 1 capital (to risk-weighted assets):

Company
$
1,573,007

9.46
%

$
665,284

4.00
%

N/A

N/A

Bank
1,424,351

8.57
%

665,113

4.00
%

$
997,669

6.00
%
Tier 1 capital (to average assets):

Company
$
1,573,007

10.76
%

$
584,765

4.00
%

N/A

N/A

Bank
1,424,351

9.75
%

584,597

4.00
%

$
730,746

5.00
%

Our mortgage finance loan volumes can increase significantly at month-end, causing a meaningful difference between ending balance and average balance for any period. At December 31, 2015, our total mortgage finance loans were $5.0 billion compared to the average for the year ended December 31, 2015 of $4.0 billion. As CET1, Tier 1 and total capital ratios are calculated using quarter-end risk-weighted assets and our mortgage finance loans are 100% risk-weighted, the quarter-end fluctuation in these balances can significantly impact our reported ratios. Due to the actual risk profile and liquidity of this asset class, we manage capital allocated to mortgage finance loans based on changing trends in average balances and do not believe that the quarter-end balance is representative of risk characteristics that would justify higher allocations. However, we will continue to monitor our capital allocation to confirm that all capital levels remain above well-capitalized levels.
Dividends that may be paid by subsidiary banks are routinely restricted by various regulatory authorities. The amount that can be paid in any calendar year without prior approval of the Bank’s regulatory agencies cannot exceed the lesser of the net profits (as defined) for that year plus the net profits for the preceding two calendar years, or retained earnings. The Basel III Capital Rules further limit the amount of dividends that may be paid by our Bank. No dividends were declared or paid on common stock during 2015, 2014 or 2013.
The required reserve balances at the Federal Reserve at December 31, 2015 and 2014 were approximately $150,642,000 and $88,155,000, respectively.

X

- References
No definition available.
+ Details

Name: us-gaap_RegulatoryCapitalRequirementsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable. The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1G
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958577-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1C
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958572-112826

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1E
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958574-112826

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1H
-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1A
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958569-112826

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1B
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1F
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958575-112826

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1D
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958573-112826
+ Details

Name: us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 37 R22.htm IDEA: XBRL DOCUMENT v3.3.1.900

Earnings Per Share
12 Months Ended

Dec. 31, 2015

Earnings Per Share [Abstract]

Earnings Per Share
Earnings Per Share
The following table presents the computation of basic and diluted earnings per share (in thousands except share data):

Year ended December 31,

2015

2014

2013
Numerator:

Net income
$
144,854

$
136,352

$
121,051

Preferred stock dividends
9,750

9,750

7,394

Net income available to common stockholders
$
135,104

$
126,602

$
113,657

Denominator:

Denominator for basic earnings per share—weighted average shares
45,808,440

43,236,344

40,864,225

Effect of employee stock-based awards(1)
211,168

311,423

402,593

Effect of warrants to purchase common stock
418,264

455,489

513,063

Denominator for dilutive earnings per share—adjusted weighted average shares and assumed conversions
46,437,872

44,003,256

41,779,881

Basic earnings per common share
$
2.95

$
2.93

$
2.78

Diluted earnings per common share
$
2.91

$
2.88

$
2.72

(1)
Stock options, SARs and RSUs outstanding of 64,700, 51,300 and 118,500 in 2015, 2014 and 2013, respectively, have not been included in diluted earnings per share because to do so would have been antidilutive for the periods presented. Stock options are antidilutive when the exercise price is higher than the average market price of the Company’s common stock.

X

- References
No definition available.
+ Details

Name: us-gaap_EarningsPerShareAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for earnings per share.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1278-109256

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1252-109256

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 55
-Paragraph 52
-URI http://asc.fasb.org/extlink&oid=32703322&loc=d3e4984-109258

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.21)
-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688
+ Details

Name: us-gaap_EarningsPerShareTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 38 R23.htm IDEA: XBRL DOCUMENT v3.3.1.900

Fair Value Disclosures
12 Months Ended

Dec. 31, 2015

Fair Value Disclosures [Abstract]

Fair Value Disclosures
Fair Value Disclosures
ASC 820, Fair Value Measurements and Disclosures (“ASC 820”), defines fair value, establishes a framework for measuring fair value under GAAP and requires enhanced disclosures about fair value measurements. Fair value is defined under ASC 820 as the price that would be received for an asset or paid to transfer a liability (an exit price) in the principal market for the asset or liability in an orderly transaction between market participants on the measurement date.
We determine the fair market values of our assets and liabilities measured at fair value on a recurring and nonrecurring basis using the fair value hierarchy as prescribed in ASC 820. The standard describes three levels of inputs that may be used to measure fair value as provided below.

Level 1
Quoted prices in active markets for identical assets or liabilities.
Level 2
Observable inputs other than Level 1 prices, such as quoted prices for similar assets or liabilities; quoted prices in markets that are not active; or other inputs that are observable or can be corroborated by observable market data for substantially the full term of the assets or liabilities. Level 2 assets include U.S. government and agency mortgage-backed debt securities, municipal bonds, and Community Reinvestment Act funds. This category includes loans held for sale and derivative assets and liabilities where values are obtained from independent pricing services.
Level 3
Unobservable inputs that are supported by little or no market activity and that are significant to the fair value of the assets or liabilities. Level 3 assets and liabilities include financial instruments whose value is determined using pricing models, discounted cash flow methodologies, or similar techniques, as well as instruments for which the determination of fair values requires significant management judgment or estimation. This category also includes impaired loans and OREO where collateral values have been based on third party appraisals; however, due to current economic conditions, comparative sales data typically used in appraisals may be unavailable or more subjective due to lack of market activity.
Assets and liabilities measured at fair value at December 31, 2015 and 2014 are as follows (in thousands):

Fair Value Measurements Using
December 31, 2015
Level 1

Level 2

Level 3
Available for sale securities:(1)

Mortgage-backed securities
$
—

$
21,901

$
—

Municipals
—

831

—

Equity securities(2)
—

7,260

—

Loans held for sale(3)
—

86,075

—

Loans(4)(6)
—

—

41,420

OREO(5)(6)
—

—

278

Derivative assets(7)
—

35,292

—

Derivative liabilities(7)
—

35,420

—

December 31, 2014

Available for sale securities:(1)

Mortgage-backed securities
$
—

$
31,065

$
—

Municipals
—

3,267

—

Equity securities(2)
—

7,387

—

Loans held for sale(3)
—

—

—

Loans(4)(6)
—

—

23,536

OREO(5)(6)
—

—

568

Derivative assets(7)
—

31,176

—

Derivative liabilities(7)
—

31,176

—

(1)
Securities are measured at fair value on a recurring basis, generally monthly.
(2)
Equity securities consist of Community Reinvestment Act funds.
(3)
Loans held for sale are measured at fair value on a recurring basis, generally monthly.
(4)
Includes impaired loans that have been measured for impairment at the fair value of the loan’s collateral.
(5)
OREO is transferred from loans to OREO at fair value less selling costs.
(6)
Fair value of loans and OREO is measured on a nonrecurring basis, generally annually or more often as warranted by market and economic conditions
(7)
Derivative assets and liabilities are measured at fair value on a recurring basis, generally quarterly.
Level 3 Valuations
Financial instruments are considered Level 3 when their values are determined using pricing models, discounted cash flow methodologies or similar techniques and at least one significant model assumption or input is unobservable. Level 3 financial instruments also include those for which the determination of fair value requires significant management judgment or estimation. Currently, we measure fair value for certain loans on a nonrecurring basis as described below.
Loans held for investment
During the years ended December 31, 2015 and 2014, certain impaired loans held for investment were re-evaluated and reported at fair value through a specific valuation allowance allocation of the allowance for possible loan losses based upon the fair value of the underlying collateral. The $41.4 million total above includes impaired loans at December 31, 2015 with a carrying value of $49.7 million that were reduced by specific valuation allowance allocations totaling $8.3 million for a total reported fair value of $41.4 million based on collateral valuations utilizing Level 3 valuation inputs. The $23.5 million total above includes impaired loans at December 31, 2014 with a carrying value of $29.2 million that were reduced by specific valuation allowance allocations totaling $5.7 million for a total reported fair value of $23.5 million based on collateral valuations utilizing Level 3 valuation inputs. Fair values were based on third party appraisals.
OREO
Certain foreclosed assets, upon initial recognition, were valued based on third party appraisals. At December 31, 2015 and 2014, OREO had a carrying value of $278,000 and $568,000, respectively, with no specific valuation allowance. The fair value of OREO was computed based on third party appraisals, which are Level 3 valuation inputs.
Fair Value of Financial Instruments
Generally accepted accounting principles require disclosure of fair value information about financial instruments, whether or not recognized on the balance sheet, for which it is practical to estimate that value. In cases where quoted market prices are not available, fair values are based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows. This disclosure does not and is not intended to represent the fair value of the Company.
A summary of the carrying amounts and estimated fair values of financial instruments is as follows (in thousands):

December 31, 2015

December 31, 2014

Carrying
Amount

Estimated
Fair Value

Carrying
Amount

Estimated
Fair Value
Cash and cash equivalents
$
1,790,870

$
1,790,870

$
1,330,514

$
1,330,514

Securities, available-for-sale
29,992

29,992

41,719

41,719

Loans held for sale
86,075

86,075

—

—

Loans held for investment, net
16,570,839

16,576,297

14,156,058

14,161,484

Derivative assets
35,292

35,292

31,176

31,176

Deposits
15,084,619

15,085,080

12,673,300

12,673,607

Federal funds purchased
74,164

74,164

66,971

66,971

Customer repurchase agreements
68,887

68,887

25,705

25,705

Other borrowings
1,500,000

1,500,000

1,100,005

1,100,005

Subordinated notes
286,000

291,091

286,000

289,947

Trust preferred subordinated debentures
113,406

113,406

113,406

113,406

Derivative liabilities
35,420

35,420

31,176

31,176

The following methods and assumptions were used by the Company in estimating its fair value disclosures for financial instruments:
Cash and cash equivalents
The carrying amounts reported in the consolidated balance sheets for cash and cash equivalents approximate their fair value, and these financial instruments are characterized as Level 1 assets in the fair value hierarchy.
Securities
The fair value of investment securities is based on prices obtained from independent pricing services which are based on quoted market prices for the same or similar securities, and these financial instruments are characterized as Level 2 assets in the fair value hierarchy. We have obtained documentation from the primary pricing service we use about their processes and controls over pricing. In addition, on a quarterly basis we independently verify the prices that we receive from the service provider using two additional independent pricing sources. Any significant differences are investigated and resolved.
Loans held for sale
Fair value for loans held for sale valued under the fair value option is derived from quoted market prices for similar loans, and these financial instruments are characterized as Level 2 assets in the fair value hierarchy.
Loans held for investment, net
Loans held for investment are characterized as Level 3 assets in the fair value hierarchy. For variable-rate loans held for investment that reprice frequently with no significant change in credit risk, fair values are generally based on carrying values. The fair value for all other loans held for investment is estimated using discounted cash flow analyses, using interest rates currently being offered for loans with similar terms to borrowers of similar credit quality. The carrying amount of accrued interest approximates its fair value.
Derivatives
The estimated fair value of the interest rate swaps and caps is obtained from independent pricing services based on quoted market prices for the same or similar derivative contracts and these financial instruments are characterized as Level 2 assets in the fair value hierarchy. On a quarterly basis, we independently verify the fair value using an additional independent pricing source. The derivative instruments related to the loans held for sale portfolio include loan purchase commitments and forward sales commitments. Loan purchase commitments are valued based upon the fair value of the underlying mortgage loans to be purchased, which is based on observable market data. Forward sales commitments are valued based upon the quoted market prices from brokers. As such, these loan purchase commitments and forward sales commitments are classified as Level 2 assets in the fair value hierarchy.
Deposits
Deposits are characterized as Level 3 liabilities in the fair value hierarchy. The carrying amounts for variable-rate money market accounts approximate their fair value. Fixed-term certificates of deposit fair values are estimated using a discounted cash flow calculation that applies interest rates currently being offered on certificates to a schedule of aggregated expected monthly maturities.
Federal funds purchased, customer repurchase agreements, other borrowings, subordinated notes and trust preferred subordinated debentures
The carrying value reported in the consolidated balance sheets for Federal funds purchased, customer repurchase agreements and other short-term, floating rate borrowings approximates their fair value, and these financial instruments are characterized as Level 2 assets in the fair value hierarchy. The fair value of any fixed rate short-term borrowings and trust preferred subordinated debentures are estimated using a discounted cash flow calculation that applies interest rates currently being offered on similar borrowings, and these financial instruments are characterized as Level 3 liabilities in the fair value hierarchy. The subordinated notes are publicly, though infrequently, traded and are valued based on market prices, which are characterized as Level 2 liabilities in the fair value hierarchy.

X

- References
No definition available.
+ Details

Name: us-gaap_FairValueDisclosuresAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
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.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 820
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=36462937&loc=d3e19207-110258

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 30
-URI http://asc.fasb.org/extlink&oid=6957238&loc=d3e14172-108612

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 28
-URI http://asc.fasb.org/extlink&oid=6957238&loc=d3e14064-108612

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 21
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13537-108611

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 16
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13504-108611

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 10
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13433-108611
+ Details

Name: us-gaap_FairValueDisclosuresTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 39 R24.htm IDEA: XBRL DOCUMENT v3.3.1.900

Commitments and Contingencies
12 Months Ended

Dec. 31, 2015

Commitments and Contingencies Disclosure [Abstract]

Commitments and Contingencies
Commitments and Contingencies
We lease various premises under operating leases with various expiration dates ranging from July 2016 through February 2025. Rent expense incurred under operating leases amounted to approximately $15.3 million, $13.6 million and $10.2 million for the years ended December 31, 2015, 2014 and 2013, respectively.
Minimum future lease payments under operating leases are as follows (in thousands):

Year ending December 31,
Minimum
Payments
2016
$
15,572

2017
15,667

2018
15,633

2019
15,345

2020
14,501

2021 and thereafter
39,059

$
115,777

X

- References
No definition available.
+ Details

Name: us-gaap_CommitmentsAndContingenciesDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for commitments and contingencies.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 20
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6449706&loc=d3e16207-108621

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 460
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=6398077&loc=d3e12565-110249

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 450
-SubTopic 20
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=25496072&loc=d3e14435-108349

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.25)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 440
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6394976&loc=d3e25287-109308
+ Details

Name: us-gaap_CommitmentsAndContingenciesDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 40 R25.htm IDEA: XBRL DOCUMENT v3.3.1.900

Parent Company Only
12 Months Ended

Dec. 31, 2015

Condensed Financial Information of Parent Company Only Disclosure [Abstract]

Parent Company Only
Parent Company Only
Summarized financial information for Texas Capital Bancshares, Inc. – Parent Company Only follows (in thousands):
Balance Sheet

December 31,

2015

2014
Assets

Cash and cash equivalents
$
53,061

$
176,324

Investment in subsidiaries
1,714,158

1,459,092

Other assets
86,359

82,783

Total assets
$
1,853,578

$
1,718,199

Liabilities and Stockholders’ Equity

Other liabilities
$
1,119

$
1,328

Subordinated notes
111,000

111,000

Trust preferred subordinated debentures
113,406

113,406

Total liabilities
225,525

225,734

Preferred stock
150,000

150,000

Common stock
459

457

Additional paid-in capital
724,698

719,890

Retained earnings
752,186

620,837

Treasury stock
(8
)

(8
)
Accumulated other comprehensive income
718

1,289

Total stockholders’ equity
1,628,053

1,492,465

Total liabilities and stockholders’ equity
$
1,853,578

$
1,718,199

Statement of Earnings

Year ended December 31,

2015

2014

2013
Loan income
$
3,250

$
10,850

$
10,382

Dividend income
10,400

5,275

76

Other income
76

28

72

Total income
13,726

16,153

10,530

Other non-interest income
8

—

—

Interest expense
9,867

10,038

9,863

Salaries and employee benefits
499

617

669

Legal and professional
1,640

2,237

2,605

Other non-interest expense
1,637

933

651

Total expense
13,643

13,825

13,788

Income (loss) before income taxes and equity in undistributed income of subsidiary
91

2,328

(3,258
)
Income tax expense (benefit)
33

833

(1,165
)
Income (loss) before equity in undistributed income of subsidiary
58

1,495

(2,093
)
Equity in undistributed income of subsidiary
141,041

132,980

123,144

Net income
141,099

134,475

121,051

Preferred stock dividends
9,750

9,750

7,394

Net income available to common stockholders
$
131,349

$
124,725

$
113,657

Statements of Cash Flows

Year ended December 31,

2015

2014

2013

(in thousands)
Operating Activities

Net income
$
141,099

$
134,475

$
121,051

Adjustments to reconcile net income to net cash used in operating activities:

Equity in undistributed income of subsidiary
(141,041
)

(132,980
)

(123,144
)
Increase in other assets
(2,123
)

(2,120
)

(2,413
)
Excess tax benefits from stock-based compensation arrangements
(1,499
)

(2,929
)

(1,200
)
Increase in other liabilities
(209
)

74

37

Net cash used in operating activities of continuing operations
(3,773
)

(3,480
)

(5,669
)
Investing Activities

Investments in and advances to subsidiaries
(110,000
)

(100,000
)

(240,000
)
Net cash used in investing activities
(110,000
)

(100,000
)

(240,000
)
Financing Activities

Proceeds from sale of stock related to stock-based awards
(1,239
)

(2,203
)

(2,210
)
Proceeds from sale of common stock
—

256,223

—

Proceeds from issuance of preferred stock
—

—

144,987

Preferred dividends paid
(9,750
)

(9,750
)

(6,960
)
Issuance of subordinated notes
—

—

—

Net other borrowings
—

(15,000
)

15,000

Excess tax benefits from stock-based compensation arrangements
1,499

2,929

1,200

Net cash provided by financing activities
(9,490
)

232,199

152,017

Net increase (decrease) in cash and cash equivalents
(123,263
)

128,719

(93,652
)
Cash and cash equivalents at beginning of year
176,324

47,605

141,257

Cash and cash equivalents at end of year
$
53,061

$
176,324

$
47,605

X

- References
No definition available.
+ Details

Name: us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for condensed financial information, including the financial position, cash flows, and the results of operations of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 810
-SubTopic 10
-Section 45
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=7656940&loc=d3e5283-111683

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 3
-Subparagraph (SX 210.12-04)
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e24072-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph c
-Article 5

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 06
-Article 9

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Article 12

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 05
-Paragraph c
-Article 7
+ Details

Name: us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 41 R26.htm IDEA: XBRL DOCUMENT v3.3.1.900

Related Party Transactions
12 Months Ended

Dec. 31, 2015

Related Party Transactions [Abstract]

Related Party Transactions
Related Party Transactions
See Note 8 for a description of deposits from related parties.

X

- References
No definition available.
+ Details

Name: us-gaap_RelatedPartyTransactionsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for related party transactions. Examples of related party transactions include transactions between (a) a parent company and its subsidiary; (b) subsidiaries of a common parent; (c) and entity and its principal owners; and (d) affiliates.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 850
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6457730&loc=d3e39603-107864

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 850
-SubTopic 10
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6457730&loc=d3e39622-107864

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 850
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6457730&loc=d3e39549-107864

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 850
-SubTopic 10
-Section 50
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=6457730&loc=d3e39678-107864

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 850
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6457730&loc=d3e39691-107864

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(k))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph b
-Article 3A

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph k
-Article 4
+ Details

Name: us-gaap_RelatedPartyTransactionsDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 42 R27.htm IDEA: XBRL DOCUMENT v3.3.1.900

Derivative Financial Instruments
12 Months Ended

Dec. 31, 2015

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Derivative Financial Instruments
Derivative Financial Instruments
During 2015 and 2014, we entered into certain interest rate derivative positions that were not designated as hedging instruments. These derivative positions relate to transactions in which we enter into an interest rate swap, cap and/or floor with a customer while at the same time entering into an offsetting interest rate swap, cap and/or floor with another financial institution. In connection with each swap transaction, we agree to pay interest to the customer on a notional amount at a variable interest rate and receive interest from the customer on a similar notional amount at a fixed interest rate. At the same time, we agree to pay another financial institution the same fixed interest rate on the same notional amount and receive the same variable interest rate on the same notional amount. The transaction allows our customer to effectively convert a variable rate loan to a fixed rate. Because we act as an intermediary for our customer, changes in the fair value of the underlying derivative contracts substantially offset each other and do not have a material impact on our results of operations.
During 2015, we also entered into loan purchase commitment contracts with mortgage originators to purchase residential mortgage loans at a future date, as well as forward sales commitment contracts to sell residential mortgage loans at a future date.
The notional amounts and estimated fair values of interest rate derivative positions outstanding at December 31, 2015 and 2014 presented in the following table (in thousands):

December 31, 2015

December 31, 2014

Estimated Fair Value

Estimated Fair Value

Notional
Amount

Asset Derivative
Liability Derivative

Notional
Amount

Asset Derivative
Liability Derivative
Non-hedging interest rate derivatives:

Financial institution counterparties:

Commercial loan/lease interest rate swaps
$
976,389

$
—

$
33,851

$
866,432

$
361

$
30,162

Commercial loan/lease interest rate caps
194,304

1,441

—

63,414

1,014

—

Customer counterparties:

Commercial loan/lease interest rate swaps
976,389

33,851

—

866,432

30,162

361

Commercial loan/lease interest rate caps
194,304

—

1,441

63,414

—

1,014

Economic hedging interest rate derivatives:

Loan purchase commitments
62,835

—

109

—

—

—

Forward sale commitments
143,200

—

19

—

—

—

Gross derivatives

35,292

35,420

31,537

31,537

Offsetting derivative assets/liabilities

—

—

(361
)
(361
)
Net derivatives included in the consolidated balance sheets

$
35,292

$
35,420

$
31,176

$
31,176

The weighted-average receive and pay interest rates for interest rate swaps outstanding at December 31, 2015 and 2014 were as follows:

December 31, 2015
Weighted-Average Interest Rate

December 31, 2014
Weighted-Average Interest Rate

Received

Paid

Received

Paid
Non-hedging interest rate swaps
2.96
%

4.72
%

2.79
%

4.82
%

The weighted-average strike rate for outstanding interest rate caps was 2.34% at December 31, 2015 and 1.44% at December 31, 2014.
Our credit exposure on interest rate swaps and caps is limited to the net favorable value and interest payments of all swaps and caps by each counterparty. In such cases collateral may be required from the counterparties involved if the net value of the swaps and caps exceeds a nominal amount considered to be immaterial. Our credit exposure, net of any collateral pledged, relating to interest rate swaps and caps was approximately $35.3 million at December 31, 2015 and approximately $31.2 million at December 31, 2014, all of which relates to Bank customers. Collateral levels are monitored and adjusted on a regular basis for changes in interest rate swap and cap values. At December 31, 2015 and 2014, we had $37.1 million and $30.2 million in cash collateral pledged for these derivatives included in interest-bearing deposits.

X

- References
No definition available.
+ Details

Name: us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for derivative instruments and hedging activities including, but not limited to, risk management strategies, non-hedging derivative instruments, assets, liabilities, revenue and expenses, and methodologies and assumptions used in determining the amounts.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 30
-Section 45
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6441202&loc=d3e80720-113993

Reference 2: 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=35706170&loc=SL5624171-113959

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=35706170&loc=d3e41620-113959

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 4B
-URI http://asc.fasb.org/extlink&oid=35706170&loc=SL5624163-113959

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=35706170&loc=SL5579240-113959

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 4D
-URI http://asc.fasb.org/extlink&oid=35706170&loc=SL5624177-113959

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 30
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=35736893&loc=d3e80784-113994

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=35706170&loc=d3e41641-113959

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 1A
-URI http://asc.fasb.org/extlink&oid=35706170&loc=SL5579245-113959

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 4H
-URI http://asc.fasb.org/extlink&oid=35706170&loc=SL5624258-113959

Reference 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 30
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=35736893&loc=d3e80748-113994

Reference 12: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 4K
-URI http://asc.fasb.org/extlink&oid=35706170&loc=SL5708775-113959

Reference 13: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 4J
-URI http://asc.fasb.org/extlink&oid=35706170&loc=SL5708773-113959

Reference 14: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 4A
-URI http://asc.fasb.org/extlink&oid=35706170&loc=SL5618551-113959

Reference 15: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 1B
-URI http://asc.fasb.org/extlink&oid=35706170&loc=SL5580258-113959

Reference 16: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 4E
-URI http://asc.fasb.org/extlink&oid=35706170&loc=SL5624181-113959

Reference 17: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 25
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6886632&loc=d3e76258-113986

Reference 18: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=35706170&loc=d3e41638-113959

Reference 19: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(n))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690
+ Details

Name: us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 43 R28.htm IDEA: XBRL DOCUMENT v3.3.1.900

Stockholder's Equity
12 Months Ended

Dec. 31, 2015

Stockholders' Equity Note [Abstract]

Stockholders' Equity
Stockholders’ Equity
In January 2009, we issued $75 million of perpetual preferred stock and related warrants under the U.S. Department of Treasury’s voluntary Capital Purchase Program. The preferred stock was repurchased in May 2009 and the U.S. Treasury auctioned the related warrants in the first quarter of 2010. As of December 31, 2015, warrants to purchase 581,500 shares at $14.84 per share are still outstanding.
On March 28, 2013, we completed a sale of 6.0 million shares of 6.5% non-cumulative preferred stock, par value $0.01, with a liquidation preference of $25 per share, in a public offering. Dividends on the preferred stock are not cumulative and will be paid when declared by our board of directors to the extent that we have lawfully available funds to pay dividends. If declared, dividends will accrue and be payable quarterly, in arrears, on the liquidation preference amount, on a non-cumulative basis, at a rate of 6.50% per annum. We paid $9.8 million in dividends on the preferred stock for the years ended December 31, 2015 and 2014. Holders of preferred stock do not have voting rights, except with respect to authorizing or increasing the authorized amount of senior stock, certain changes in the terms of the preferred stock, certain dividend non-payments and as otherwise required by applicable law. Net proceeds from the sale totaled $145.0 million. The additional equity was used for general corporate purposes, including funding regulatory capital infusions into the Bank.
In January 2014, we completed an offering of 1.9 million shares of our common stock. Net proceeds from the sale totaled $106.5 million. The net proceeds of the offering were available to the Company for general corporate purposes, including retirement of $15.0 million of short-term debt that was outstanding at December 31, 2013, and additional capital to support continued loan growth.
On November 12, 2014, we completed a sale of 2.5 million of our common stock in a public offering. Net proceeds from the sale totaled $149.6 million. The additional equity will be used for general corporate purposes and additional capital to support continued loan growth.

X

- References
No definition available.
+ Details

Name: us-gaap_StockholdersEquityNoteAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure for shareholders' equity comprised of portions attributable to the parent entity and noncontrolling interest, including other comprehensive income. Includes, but is not limited to, balances of common stock, preferred stock, additional paid-in capital, other capital and retained earnings, accumulated balance for each classification of other comprehensive income and amount of comprehensive income.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(d),(e))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21484-112644

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SAB TOPIC 4.E)
-URI http://asc.fasb.org/extlink&oid=27010918&loc=d3e74512-122707

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21488-112644

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.29-31)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section S99
-Paragraph 4
-Subparagraph (SAB TOPIC 4.C)
-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187143-122770

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21506-112644

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.3-04)
-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 30
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6405834&loc=d3e23285-112656

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21475-112644

Reference 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Preferred Stock
-URI http://asc.fasb.org/extlink&oid=6521494

Reference 12: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644

Reference 13: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21564-112644

Reference 14: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph d
-Article 4

Reference 15: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 29, 30, 31
-Article 5

Reference 16: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 4
-Section E

Reference 17: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Article 4

Reference 18: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 4
-Section C

Reference 19: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Article 3
+ Details

Name: us-gaap_StockholdersEquityNoteDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 44 R29.htm IDEA: XBRL DOCUMENT v3.3.1.900

Quarterly Financial Data
12 Months Ended

Dec. 31, 2015

Selected Quarterly Financial Information [Abstract]

Quarterly Financial Information
Quarterly Financial Data (unaudited)
The tables below summarize our quarterly financial information for the years December 31, 2015 and 2014 (in thousands except per share and average share data):

2015 Selected Quarterly Financial Data

Fourth

Third

Second

First
Interest income
$
154,820

$
153,856

$
153,374

$
140,908

Interest expense
12,632

11,808

11,089

10,899

Net interest income
142,188

142,048

142,285

130,009

Provision for credit losses
14,000

13,750

14,500

11,000

Net interest income after provision for credit losses
128,188

128,298

127,785

119,009

Non-interest income
11,320

11,380

12,771

12,267

Non-interest expense
87,042

81,688

81,276

76,517

Income before income taxes
52,466

57,990

59,280

54,759

Income tax expense
17,713

20,876

21,343

19,709

Net income
34,753

37,114

37,937

35,050

Preferred stock dividends
2,437

2,438

2,437

2,438

Net income available to common stockholders
$
32,316

$
34,676

$
35,500

$
32,612

Basic earnings per share:
$
0.70

$
0.76

$
0.78

$
0.71

Diluted earnings per share:
$
0.70

$
0.75

$
0.76

$
0.70

Average shares

Basic
45,856,000

45,828,000

45,790,000

45,759,000

Diluted
46,480,000

46,471,000

46,443,000

46,368,000

2014 Selected Quarterly Financial Data

Fourth

Third

Second

First
Interest income
$
137,833

$
135,290

$
124,813

$
116,611

Interest expense
10,251

9,629

9,406

8,296

Net interest income
127,582

125,661

115,407

108,315

Provision for credit losses
6,500

6,500

4,000

5,000

Net interest income after provision for credit losses
121,082

119,161

111,407

103,315

Non-interest income
11,226

10,396

10,533

10,356

Non-interest expense
74,117

71,915

69,765

69,317

Income before income taxes
58,191

57,642

52,175

44,354

Income tax expense
20,357

20,810

18,754

16,089

Net income
37,834

36,832

33,421

28,265

Preferred stock dividends
2,437

2,438

2,437

2,438

Net income available to common stockholders
$
35,397

$
34,394

$
30,984

$
25,827

Basic earnings per share:
$
0.80

$
0.80

$
0.72

$
0.61

Diluted earnings per share:
$
0.78

$
0.78

$
0.71

$
0.60

Average shares

Basic
44,406,000

43,144,000

43,075,000

42,298,000

Diluted
45,093,000

43,850,000

43,845,000

43,220,000

X

- Definition
The entire disclosure for the quarterly financial data in the annual financial statements. The disclosure may include a tabular presentation of financial information for each fiscal quarter for the current and previous year, including revenues, gross profit, income or loss before extraordinary items and earnings per share data. It also includes an indication if the information in the note is unaudited, comments on the aggregate effect of year-end adjustments, and an explanation of matters or transactions that affect comparability or are pertinent to an understanding of the information furnished.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 270
-SubTopic 10
-Section 45
-Paragraph 13
-URI http://asc.fasb.org/extlink&oid=6372559&loc=d3e765-108305

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 270
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (a)-(j)
-URI http://asc.fasb.org/extlink&oid=35737889&loc=d3e1280-108306

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 270
-SubTopic 10
-Section 45
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=6372559&loc=d3e725-108305

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 6
-Section G
-Subsection 1

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-K (SK)
-Number 229
-Section 302
-Paragraph a
+ Details

Name: us-gaap_QuarterlyFinancialInformationTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_SelectedQuarterlyFinancialInformationAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 45 R30.htm IDEA: XBRL DOCUMENT v3.3.1.900

New Accounting Standards
12 Months Ended

Dec. 31, 2015

New Accounting Pronouncements and Changes in Accounting Principles [Abstract]

New Accounting Standards
New Accounting Standards

ASU 2014-04 “Receivables (Topic 310) - Troubled Debt Restructurings by Creditors” (“ASU 2014-04”) amends Topic 310 “Receivables” to clarify the terms defining when an in substance repossession or foreclosure occurs, which determines when the receivable should be derecognized and the real estate property is recognized. ASU 2014-04 became effective for us on January 1, 2015 and did not have a significant impact on our financial statements.
ASU 2014-11 "Transfers and Servicing (Topic 860) - Repurchase-to-Maturity Transactions, Repurchase Financings and Disclosures ("ASU 2014-11") requires that repurchase-to-maturity transactions be accounted for as secured borrowings consistent with the accounting for other repurchase agreements. The amendments to ASU 2014-11 update the accounting for repurchase-to-maturity transactions and link repurchase financings to secured borrowing accounting, which is consistent with the accounting for other repurchase agreements. ASU 2014-11 also requires two new disclosures. The first disclosure requires an entity to disclose information on transfers accounted for as sales that are economically similar to repurchase agreements. The second disclosure provides added transparency about the types of collateral pledged in repurchase agreements and similar transactions accounted for as secured borrowings. ASU 2014-11 became effective for us on January 1, 2015 and did not have a significant impact on our financial statements.
ASU 2014-12 "Compensation - Stock Compensation (Topic 718) - Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period" ("ASU 2014-12") requires that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition. ASU 2014-12 is intended to resolve the diverse accounting treatments of these types of awards in practice and is effective for annual and interim periods beginning after December 15, 2015 and is not expected to have a significant impact on our consolidated financial statements.
ASU 2015-01 "Income Statement - Extraordinary and Unusual Items (Subtopic 225-20) - Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items" ("ASU 2015-01") eliminates from U.S. GAAP the concept of extraordinary items, which required separate classification, presentation and disclosure in the income statement. ASU 2015-01 is effective for annual and interim periods beginning after December 15, 2015 and is not expected to have a significant impact on our consolidated financial statements.
ASU 2015-03 "Interest - Imputation of Interest (Subtopic 835-30) - Simplifying the Presentation of Debt Issuance Costs" ("ASU 2015-03") requires that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in ASU 2015-03. ASU 2015-03 is effective for annual and interim periods beginning after December 15, 2015 and is not expected to have a significant impact on our consolidated financial statements.
ASU 2015-05 "Intangibles - Goodwill and Other - Internal-Use Software (Subtopic 350-40) - Customer's Accounting for Fees Paid in a Cloud Computing Arrangement" ("ASU 2015-05") provides guidance to customers about whether a cloud computing arrangement includes a software license. If the arrangement includes a software license, then the customer should account for the software license element of the arrangement consistent with the acquisition of other software licenses. If the arrangement does not include a software license, the customer should account for the arrangement as a service contract. ASU 2015-05 is effective for annual and interim periods beginning after December 15, 2015 and is not expected to have a significant impact on our consolidated financial statements.
ASU 2015-15 "Interest - Imputation of Interest (Subtopic 835-30) - Presentation and Subsequent Measurement of Debt Issuance Costs Associated with Line-of-Credit Arrangements - Amendments to SEC Paragraphs Pursuant to Staff Announcement at June 18, 2015 EITF Meeting ("ASU 2015-15") adds SEC paragraphs confirming that, given the absence of authoritative guidance within ASU 2015-03 for debt issuance costs related to line-of-credit arrangements, the SEC staff would not object to an entity deferring and presenting debt issuance costs as an asset and subsequently amortizing the deferred debt issuance costs ratably over the term of the line-of-credit arrangement, regardless of whether there are any outstanding borrowings on the line-of-credit arrangement. ASU 2015-15 was effective when issued and is not expected to have a significant impact on our consolidated financial statements.
ASU 2014-09 "Revenue from Contracts with Customers (Topic 606)" ("ASU 2014-09") implements a common revenue standard that clarifies the principles for recognizing revenue. The core principle of ASU 2014-09 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. ASU 2014-09 establishes a five-step model which entities must follow to recognize revenue and removes inconsistencies and weaknesses in existing guidance. ASU 2014-09 was originally going to be effective for annual and interim periods beginning after December 15, 2016; however, the FASB issued ASU 2015-14 - "Revenue from Contracts with Customers (Topic 606) - Deferral of the Effective Date" which deferred the effective date of ASU 2014-09 by one year to annual and interim periods beginning after December 15, 2017. ASU 2014-09 is not expected to have a significant impact on our consolidated financial statements.

X

- References
No definition available.
+ Details

Name: us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The entire disclosure of changes in accounting principles, including adoption of new accounting pronouncements, that describes the new methods, amount and effects on financial statement line items.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Change in Accounting Principle
-URI http://asc.fasb.org/extlink&oid=6507316

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Direct Effects of a Change in Accounting Principle
-URI http://asc.fasb.org/extlink&oid=6510796

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 250
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=28359718&loc=d3e22583-107794

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Indirect Effects of a Change in Accounting Principle
-URI http://asc.fasb.org/extlink&oid=6515603

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 250
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=28359718&loc=d3e22580-107794

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 270
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.10-01.(b)(6))
-URI http://asc.fasb.org/extlink&oid=27015980&loc=d3e46468-122699

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Accounting Change
-URI http://asc.fasb.org/extlink&oid=6503790

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 250
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=28359718&loc=d3e22499-107794

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Retrospective Application
-URI http://asc.fasb.org/extlink&oid=6523989

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 270
-SubTopic 10
-Section 45
-Paragraph 13
-URI http://asc.fasb.org/extlink&oid=6372559&loc=d3e765-108305

Reference 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 270
-SubTopic 10
-Section 45
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=6372559&loc=d3e725-108305

Reference 12: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 01
-Paragraph b
-Subparagraph 6
-Article 10
+ Details

Name: us-gaap_NewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 46 R31.htm IDEA: XBRL DOCUMENT v3.3.1.900

Operations and Summary of Significant Accounting Policies (Policies)
12 Months Ended

Dec. 31, 2015

Organization, Consolidation and Presentation of Financial Statements [Abstract]

Organization and Nature of Business
Organization and Nature of Business
Texas Capital Bancshares, Inc. (the "Company”), a Delaware corporation, was incorporated in November 1996 and commenced banking operations in December 1998. The consolidated financial statements of the Company include the accounts of Texas Capital Bancshares, Inc. and its wholly owned subsidiary, Texas Capital Bank, National Association (the "Bank”). We serve the needs of commercial businesses and successful professionals and entrepreneurs located in Texas as well as operate several lines of business serving a regional or national clientele of commercial borrowers. We are primarily a secured lender, with our greatest concentration of loans in Texas.

Basis of Presentation
Basis of Presentation
Our accounting and reporting policies conform to accounting principles generally accepted in the United States ("GAAP") and to generally accepted practices within the banking industry. Certain prior period balances have been reclassified to conform to the current period presentation.

Use of Estimates
Use of Estimates
The preparation of financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements. Actual results could differ from those estimates. The allowance for loan losses, the fair value of stock-based compensation awards, the fair values of financial instruments and the status of contingencies are particularly susceptible to significant change in the near term.

Cash and Cash Equivalents
Cash and Cash Equivalents
Cash equivalents include amounts due from banks, interest-bearing deposits and Federal funds sold.

Securities
Securities
Securities are classified as trading, available-for-sale or held-to-maturity. Management classifies securities at the time of purchase and re-assesses such designation at each balance sheet date; however, transfers between categories from this re-assessment are rare.
Trading Account
Securities acquired for resale in anticipation of short-term market movements are classified as trading, with realized and unrealized gains and losses recognized in income. To date, we have not had any activity in our trading account.
Available-for-Sale
Debt securities are classified as held-to-maturity when we have the positive intent and ability to hold the securities to maturity. Held-to-maturity securities are stated at amortized cost. Debt securities not classified as held-to-maturity or trading and marketable equity securities not classified as trading are classified as available-for-sale.
Available-for-sale securities are stated at fair value, with the unrealized gains and losses reported in a separate component of accumulated other comprehensive income (loss), net of tax. The amortized cost of debt securities is adjusted for amortization of premiums and accretion of discounts to maturity, or in the case of mortgage-backed securities, over the estimated life of the security. Such amortization and accretion is included in interest income from securities. Realized gains and losses and declines in value judged to be other-than-temporary are included in gain (loss) on sale of securities. The cost of securities sold is based on the specific identification method.
All securities are available-for-sale as of December 31, 2015 and 2014.

Loans
Loans
Loans Held for Sale
Through our MCA program, we commit to purchase residential mortgage loans from independent correspondent lenders and deliver those loans into the secondary market via whole loan sales to independent third parties or in securitization transactions to GSEs such as Fannie Mae, Freddie Mac or Ginnie Mae. In some cases, we retain the mortgage servicing rights. Once purchased, these loans are classified as held for sale and are carried at fair value pursuant to our election of the fair value option in accordance with Accounting Standards Codification 825, Financial Instruments ("ASC 825"). At the commitment date, we enter into a corresponding forward sale commitment with a third party, typically a GSE, to deliver the loans within a specified timeframe. The estimated gain/loss for the entire transaction (from initial purchase commitment to final delivery of loans) is recorded as an asset or liability. Fair value is derived from observable current market prices, when available, and includes the fair value of the mortgage servicing rights. Adjustments to reflect unrealized gains and losses resulting from changes in fair value and realized gains and losses upon ultimate sale of the loans are classified as other non-interest income in the consolidated statements of income and other comprehensive income.
Loans Held for Investment
Loans held for investment (which include equipment leases accounted for as financing leases) are stated at the amount of unpaid principal reduced by deferred income (net of costs). Interest on loans is recognized using the simple-interest method on the daily balances of the principal amounts outstanding. Loan origination fees, net of direct loan origination costs, and commitment fees, are deferred and amortized as an adjustment to yield over the life of the loan, or over the commitment period, as applicable.
A loan held for investment is considered impaired when, based on current information and events, it is probable that we will be unable to collect all amounts due (both principal and interest) according to the terms of the loan agreement. Reserves on impaired loans are measured based on the present value of expected future cash flows discounted at the loan’s effective interest rate or the fair value of the underlying collateral, less cost to sell. Impaired loans, or portions thereof, are charged off when a confirmed loss exists.
The accrual of interest on loans is discontinued when there is a clear indication that the borrower’s cash flow may not be sufficient to meet payments as they become due, which is generally when a loan is 90 days past due. When a loan is placed on non-accrual status, all previously accrued and unpaid interest is reversed. Interest income is subsequently recognized on a cash basis as long as the remaining book balance of the asset is deemed to be collectible. If collectability is questionable, then cash payments are applied to principal. A loan is placed back on accrual status when both principal and interest are current and it is probable that we will be able to collect all amounts due (both principal and interest) according to the terms of the loan agreement.
Loans held for investment includes legal ownership interests in mortgage loans that we purchase through our mortgage warehouse lending division. The ownership interests are purchased from unaffiliated mortgage originators who are seeking additional funding through sale of the undivided ownership interests to facilitate their ability to originate loans. The mortgage originator has no obligation to offer and we have no obligation to purchase these interests. The originator closes mortgage loans consistent with underwriting standards established by approved investors, and, at the time of the sale to the investor, our ownership interest and that of the originator are delivered by us to the investor selected by the originator and approved by us. We typically purchase up to a 99% ownership interest in each mortgage with the originator owning the remaining percentage. These mortgage ownership interests are held by us for a period of less than 30 days and more typically 10-20 days. Because of conditions in agreements with originators designed to reduce transaction risks, under ASC 860, Transfers and Servicing of Financial Assets (“ASC 860”), the ownership interests do not qualify as participating interests. Under ASC 860, the ownership interests are deemed to be loans to the originators and payments we receive from investors are deemed to be payments made by or on behalf of the originator to repay the loan deemed made to the originator. Because we have an actual, legal ownership interest in the underlying residential mortgage loan, these interests are not extensions of credit to the originators that are secured by the mortgage loans as collateral.
Due to market conditions or events of default by the investor or the originator, we could be required to purchase the remaining interests in the mortgage loans and hold them beyond the expected 10-20 days. Mortgage loans acquired under these conditions would require mark-to-market adjustments to income and could require future allocations of the allowance for loan losses or be subject to charge off in the event the loans become impaired. Mortgage loan interests purchased and disposed of as expected receive no allocation of the allowance for loan losses due to the minimal loss experience with these assets.

Allowance for Loan Losses
Allowance for Loan Losses
The allowance for loan losses is comprised of specific reserves for impaired loans and an estimate of losses inherent in the portfolio at the balance sheet date, but not yet identified with specified loans. We regularly evaluate our allowance for loan losses to maintain an appropriate level to absorb estimated loan losses inherent in the loan portfolio. Factors contributing to the determination of the allowance include the creditworthiness of the borrower, changes in the value of pledged collateral, and general economic conditions. All loan commitments rated substandard or worse and greater than $500,000 are specifically reviewed for loss potential. For loans deemed to be impaired, a specific allocation is assigned based on the losses expected to be realized from those loans. For purposes of determining the general reserve, the portfolio is segregated by product types to recognize differing risk profiles among categories, and then further segregated by credit grades. Credit grades are assigned to all loans. Each credit grade is assigned a risk factor, or reserve allocation percentage. These risk factors are multiplied by the outstanding principal balance and risk-weighted by product type to calculate the required reserve. A similar process is employed to calculate a reserve assigned to off-balance sheet commitments, specifically unfunded loan commitments and letters of credit, and any needed reserve is recorded in other liabilities. Even though portions of the allowance may be allocated to specific loans, the entire allowance is available for any credit that, in management’s judgment, should be charged off.
We have several pass credit grades that are assigned to loans based on varying levels of risk, ranging from credits that are secured by cash or marketable securities, to watch credits which have all the characteristics of an acceptable credit risk but warrant more than the normal level of monitoring. Within our criticized/classified credit grades are special mention, substandard, and doubtful. Special mention loans are those that are currently protected by the sound worth and paying capacity of the borrower, but that are potentially weak and constitute an additional credit risk. The loan has the potential to deteriorate to a substandard grade due to the existence of financial or administrative deficiencies. Substandard loans have a well-defined weakness or weaknesses that jeopardize the liquidation of the debt. They are characterized by the distinct possibility that we will sustain some loss if the deficiencies are not corrected. Some substandard loans are inappropriately protected by sound worth and paying capacity of the borrower and of the collateral pledged and may be considered impaired. Substandard loans can be accruing or can be on non-accrual depending on the circumstances of the individual loans. Loans classified as doubtful have all the weaknesses inherent in substandard loans with the added characteristics that the weaknesses make collection or liquidation in full highly questionable and improbable. The possibility of loss is extremely high. All doubtful loans are on non-accrual.
The allowance allocation percentages assigned to each credit grade have been developed based primarily on an analysis of our historical loss rates. The allocations are adjusted for certain qualitative factors, including general economic conditions, changes in credit policies and lending standards. Changes in the trend and severity of problem loans can cause the estimation of losses to differ from past experience. In addition, the allowance considers the results of reviews performed by independent third party reviewers as reflected in their confirmations of assigned credit grades within the portfolio. The portion of the allowance that is not derived by the allowance allocation percentages compensates for the uncertainty and complexity in estimating loan and lease losses including factors and conditions that may not be fully reflected in the determination and application of the allowance allocation percentages. Examples of risks that support the Bank's maintaining an additional qualitative reserve include the possibility of precipitous negative changes in economic conditions and borrowers' submission of financial statements or certifications of collateral value that subsequently prove to be materially inaccurate for reason of either misstatement or omission of critical information. These situations, while not common, do not necessarily correlate well with the general risk profile presented by assigned credit grade and product type categories. We evaluate many such factors and conditions in determining the additional qualitative portion of the allowance, including amount and frequency of losses attributable to issues not specifically addressed or included in the determination and application of the allowance allocation percentages.
The methodology used in the periodic review of the appropriateness of the allowance, which is performed at least quarterly, is designed to be dynamic and responsive to changes in portfolio credit quality. The changes are reflected in the general allowance and in specific reserves as the collectability of larger classified loans is evaluated with new information. As our portfolio has matured, historical loss ratios have been closely monitored, and our reserve adequacy relies primarily on our loss history. The review of the appropriateness of the allowance is performed by executive management and presented to a committee of our board of directors for their review. The committee reports to the board as part of the board's review on a quarterly basis of the Company's consolidated financial statements.

Other Real Estate Owned
Other Real Estate Owned
Other real estate owned (“OREO”), which is included in other assets on the consolidated balance sheet, consists of real estate that has been foreclosed. Real estate that has been foreclosed is recorded at the fair value of the real estate, less selling costs, through a charge to the allowance for loan losses, if necessary. Subsequent write-downs required for declines in value are recorded through a valuation allowance, or taken directly to the asset, charged to other non-interest expense.

Premises and Equipment
Premises and Equipment
Premises and equipment are stated at cost less accumulated depreciation. Depreciation is computed using the straight-line method over the estimated useful lives of the assets, which range from three to ten years. Gains or losses on disposals of premises and equipment are included in results of operations.

Marketing and Software
Marketing and Software
Marketing costs are expensed as incurred. Ongoing maintenance and enhancements of websites are expensed as incurred. Costs incurred in connection with development or purchase of internal use software are capitalized and amortized over a period not to exceed five years. Internal use software costs are included in other assets in the consolidated balance sheets.

Goodwill and Other Intangible Assets
Goodwill and Other Intangible Assets
Intangible assets are acquired assets that lack physical substance but can be distinguished from goodwill because of contractual or other legal rights or because the asset is capable of being sold or exchanged either on its own or in combination with a related contract, asset, or liability. Our intangible assets relate primarily to loan customer relationships. Intangible assets with definite useful lives are amortized on an accelerated basis over their estimated life. Goodwill and intangible assets are tested for impairment during the fourth quarter on an annual basis or whenever events or changes in circumstances indicate the carrying amount of the assets may not be recoverable from future undiscounted cash flows. If impaired, the assets are recorded at fair value.

Segment Reporting
Segment Reporting
We have determined that all of our lending divisions and subsidiaries meet the aggregation criteria of ASC 280, Segment Reporting, since all offer similar products and services, operate with similar processes, and have similar customers.

Stock-based Compensation
Stock-based Compensation
We account for all stock-based compensation transactions in accordance with ASC 718, Compensation — Stock Compensation (“ASC 718”), which requires that stock compensation transactions be recognized as compensation expense in the consolidated statement of income and other comprehensive income based on their fair values on the measurement date, which is the date of the grant.

Accumulated Other Comprehensive Income
Accumulated Other Comprehensive Income
Unrealized gains or losses on our available-for-sale securities (after applicable income tax expense or benefit) are included in accumulated other comprehensive income, net. Accumulated comprehensive income (loss), net for the three years ended December 31, 2015 is reported in the accompanying consolidated statements of stockholders’ equity and consolidated statements of income and other comprehensive income.

Income Taxes
Income Taxes
The Company and its subsidiary file a consolidated federal income tax return. We utilize the liability method in accounting for income taxes. Under this method, deferred tax assets and liabilities are determined based upon the difference between the values of the assets and liabilities as reflected in the financial statements and their related tax basis using enacted tax rates in effect for the year in which the differences are expected to be recovered or settled. As changes in tax law or rates are enacted, deferred tax assets and liabilities are adjusted through the provision for income taxes. A valuation reserve is provided against deferred tax assets unless it is more likely than not that such deferred tax assets will be realized.

Basic and Diluted Earnings Per Common Share
Basic and Diluted Earnings Per Common Share
Basic earnings per common share is based on net income available to common stockholders divided by the weighted-average number of common shares outstanding during the period excluding non-vested stock. Diluted earnings per common share include the dilutive effect of stock options and non-vested stock awards granted using the treasury stock method. A reconciliation of the weighted-average shares used in calculating basic earnings per common share and the weighted average common shares used in calculating diluted earnings per common share for the reported periods is provided in Note 15 — Earnings Per Share.

Fair Values of Financial Instruments
Fair Values of Financial Instruments
ASC 820, Fair Value Measurements and Disclosures (“ASC 820”), defines fair value, establishes a framework for measuring fair value under GAAP and enhances disclosures about fair value measurements. In general, fair values of financial instruments are based upon quoted market prices, where available. If such quoted market prices are not available, fair value is based on estimates using present value or other valuation techniques. Those techniques are significantly affected by the assumptions used, including the discount rate and estimates of future cash flows.

Mortgage Servicing Rights
Mortgage Servicing Rights
MSRs are created by selling purchased or originated mortgage loans with servicing rights retained. We identify classes of servicing rights based upon the nature of the underlying assumptions used to value the asset along with the risks associated with the underlying asset. Based upon these criteria we have one class of MSRs, residential.
Originated MSRs are recognized based on the estimated fair value of the mortgage loans and the related servicing rights at the date of sale using values derived from a valuation model managed by a third party. MSRs are amortized in proportion, and over the estimated life of the projected net servicing revenue and are periodically evaluated for impairment. MSRs are reported on the consolidated balance sheets at lower of cost or market. Loan servicing fee income represents income earned for servicing mortgage loans owned by investors and includes mortgage servicing fees and other ancillary servicing income. Servicing fees are recorded as income when earned and are reported in other non-interest income on the consolidated statements of income and other comprehensive income. For additional information on MSRs, see Note 5 - Certain Transfers of Financial Assets.

Guarantees
The Company has undertaken certain guarantee obligations in the ordinary course of business. These guarantees include liabilities with both balance sheet and off-balance sheet risk. We consider the following arrangements to be guarantees: commitments to extend credit, standby letters credit and indemnification agreements included within third party contractual arrangements. For additional information on commitments and contingencies, see Note 13 - Financial Instruments with Off-Balance Sheet Risk.

Derivative Financial Instruments
Derivative Financial Instruments
All contracts that satisfy the definition of a derivative are recorded at fair value in other assets and other liabilities in the consolidated balance sheets. We record the derivatives on a net basis when a right of offset exists, based on transactions with a single counterparty that are subject to a legally enforceable master netting agreement. For additional information on derivative financial instruments, see Note 20 - Derivative Financial Instruments.

X

- Definition
Disclosure of accounting policy related to marketing and software.
+ References
No definition available.
+ Details

Name: tcbi_MarketingAndSoftwarePolicyTextBlock

Namespace Prefix: tcbi_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy related to organization and nature of business.
+ References
No definition available.
+ Details

Name: tcbi_OrganizationAndNatureOfBusinessPolicyTextBlock

Namespace Prefix: tcbi_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy related to other real estate owned.
+ References
No definition available.
+ Details

Name: tcbi_OtherRealEstateOwnedPolicyTextBlock

Namespace Prefix: tcbi_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for basis of accounting, or basis of presentation, used to prepare the financial statements (for example, US Generally Accepted Accounting Principles, Other Comprehensive Basis of Accounting, IFRS).
+ References
No definition available.
+ Details

Name: us-gaap_BasisOfAccountingPolicyPolicyTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for cash and cash equivalents, including the policy for determining which items are treated as cash equivalents. Other information that may be disclosed includes (1) the nature of any restrictions on the entity's use of its cash and cash equivalents, (2) whether the entity's cash and cash equivalents are insured or expose the entity to credit risk, (3) the classification of any negative balance accounts (overdrafts), and (4) the carrying basis of cash equivalents (for example, at cost) and whether the carrying amount of cash equivalents approximates fair value.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 305
-SubTopic 10
-Section 05
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6375392&loc=d3e26790-107797

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6367179&loc=d3e4273-108586

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Cash
-URI http://asc.fasb.org/extlink&oid=6506951

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Cash Equivalents
-URI http://asc.fasb.org/extlink&oid=6507016

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Financial Reporting Release (FRR)
-Number 203
-Paragraph 02-03

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 1
-Article 5
+ Details

Name: us-gaap_CashAndCashEquivalentsPolicyTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for its derivative instruments and hedging activities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=35706170&loc=d3e41620-113959

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(n))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=35706170&loc=SL5579240-113959

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 1A
-URI http://asc.fasb.org/extlink&oid=35706170&loc=SL5579245-113959

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=35706170&loc=d3e41675-113959

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=35706170&loc=d3e41638-113959

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph n
-Article 4
+ Details

Name: us-gaap_DerivativesPolicyTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for computing basic and diluted earnings or loss per share for each class of common stock and participating security. Addresses all significant policy factors, including any antidilutive items that have been excluded from the computation and takes into account stock dividends, splits and reverse splits that occur after the balance sheet date of the latest reporting period but before the issuance of the financial statements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3630-109257

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790
+ Details

Name: us-gaap_EarningsPerSharePolicyTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for determining the fair value of financial instruments.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13279-108611

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 820
-SubTopic 10
-Section 60
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=7493716&loc=d3e21868-110260
+ Details

Name: us-gaap_FairValueOfFinancialInstrumentsPolicy

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for finance, loan and lease receivables, including those held for investment and those held for sale. This disclosure may include (1) the basis at which such receivables are carried in the entity's statements of financial position (2) how the level of the allowance for loan and lease losses is determined (3) when impairments, charge-offs or recoveries are recognized for such receivables (4) the treatment of origination fees and costs, including the amortization method for net deferred fees or costs (5) the treatment of any premiums or discounts or unearned income (6) the entity's income recognition (revenues, expenses and gains and losses arising from committing to issue, issuing, granting, collecting, terminating, modifying and holding loans) policies for such receivables, including those that are impaired, past due or placed on nonaccrual status and (7) the treatment of foreclosures or repossessions.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 9
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5144-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 20
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6378556&loc=d3e10133-111534

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5093-111524

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-Subparagraph (b,d)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 3-5
-Article 5
+ Details

Name: us-gaap_FinanceLoansAndLeasesReceivablePolicy

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for goodwill and intangible assets. This accounting policy also may address how an entity assesses and measures impairment of goodwill and intangible assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 30
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=26713463&loc=d3e16265-109275

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 20
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=35741047&loc=d3e13816-109267
+ Details

Name: us-gaap_GoodwillAndIntangibleAssetsPolicyTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for guarantees, indemnifications and product warranties, and methodologies used in determining the amount of such liabilities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 460
-SubTopic 10
-Section 50
-Paragraph 8
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=6398077&loc=d3e12565-110249
+ Details

Name: us-gaap_GuaranteesIndemnificationsAndWarrantiesPolicies

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for income taxes, which may include its accounting policies for recognizing and measuring deferred tax assets and liabilities and related valuation allowances, recognizing investment tax credits, operating loss carryforwards, tax credit carryforwards, and other carryforwards, methodologies for determining its effective income tax rate and the characterization of interest and penalties in the financial statements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 19
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32840-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 30
-Section 05
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6423966&loc=d3e40913-109327

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 954
-SubTopic 740
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6491622&loc=d3e9504-115650

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 17
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32809-109319

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 45
-Paragraph 25
-URI http://asc.fasb.org/extlink&oid=37586315&loc=d3e32247-109318

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 45
-Paragraph 28
-URI http://asc.fasb.org/extlink&oid=37586315&loc=d3e32280-109318
+ Details

Name: us-gaap_IncomeTaxPolicyTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for investments in financial assets, including marketable securities (debt and equity securities with readily determinable fair values), investments accounted for under the equity method and cost method, securities borrowed and loaned, and repurchase and resale agreements. For marketable securities, the disclosure may include the entity's accounting treatment for transfers between investment categories and how the fair values for such securities are determined. Also, for all investments, an entity may describe its policy for assessing, recognizing and measuring impairment of the investment.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 6
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27290-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 323
-SubTopic 10
-Section 50
-Paragraph 3
-Subparagraph (a)(2)
-URI http://asc.fasb.org/extlink&oid=6382943&loc=d3e33918-111571

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.2,12)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 325
-SubTopic 20
-Section 50
-Paragraph 1
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=6872867&loc=d3e40691-111596

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 10
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13433-108611

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 5
-Section M

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 2, 12
-Article 5
+ Details

Name: us-gaap_InvestmentPolicyTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for estimating the allowance for losses on loans and lease receivables. The disclosure may include (a) how the entity determines each element of the allowance, (b) which loans are evaluated individually and which loans are evaluated as a group, (c) how the entity determines both the allocated and unallocated portions of the allowance, (d) how the entity determines the loss factors applied to graded loans in order to develop a general allowance, and (e) what self-correcting mechanism the entity uses to reduce differences between estimated and actual losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 9
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5144-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790
+ Details

Name: us-gaap_LoansAndLeasesReceivableAllowanceForLoanLossesPolicy

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for the lending, securitization, sales, transfers and servicing practices for mortgage banking activities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 948
-SubTopic 310
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6490322&loc=d3e48700-111005

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790
+ Details

Name: us-gaap_LoansAndLeasesReceivableMortgageBankingActivitiesPolicy

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_OrganizationConsolidationAndPresentationOfFinancialStatementsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for long-lived, physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, basis of assets, depreciation and depletion methods used, including composite deprecation, estimated useful lives, capitalization policy, accounting treatment for costs incurred for repairs and maintenance, capitalized interest and the method it is calculated, disposals and impairments.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 360
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.13(a))
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 13
-Subparagraph a
-Article 5
+ Details

Name: us-gaap_PropertyPlantAndEquipmentPolicyTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for segment reporting.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790
+ Details

Name: us-gaap_SegmentReportingPolicyPolicyTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for stock option and stock incentive plans. This disclosure may include (1) the types of stock option or incentive plans sponsored by the entity (2) the groups that participate in (or are covered by) each plan (3) significant plan provisions and (4) how stock compensation is measured, and the methodologies and significant assumptions used to determine that measurement.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5047-113901

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (b),(f)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationOptionAndIncentivePlansPolicy

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for its capital stock transactions, including dividends and accumulated other comprehensive income.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18726-107790

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21459-112644

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6367646&loc=d3e18780-107790
+ Details

Name: us-gaap_StockholdersEquityPolicyTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Disclosure of accounting policy for the use of estimates in the preparation of financial statements in conformity with generally accepted accounting principles.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 275
-SubTopic 10
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6927468&loc=d3e6061-108592

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 275
-SubTopic 10
-Section 50
-Paragraph 9
-URI http://asc.fasb.org/extlink&oid=6927468&loc=d3e6143-108592

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 275
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=6927468&loc=d3e6132-108592
+ Details

Name: us-gaap_UseOfEstimates

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 47 R32.htm IDEA: XBRL DOCUMENT v3.3.1.900

Securities (Tables)
12 Months Ended

Dec. 31, 2015

Available-for-sale Securities [Abstract]

Summary of securities
The following is a summary of securities (in thousands):

December 31, 2015

Amortized
Cost

Gross
Unrealized
Gains

Gross
Unrealized
Losses

Estimated
Fair
Value
Available-for-sale securities:

Residential mortgage-backed securities
$
20,536

$
1,365

$
—

$
21,901

Municipals
828

3

—

831

Equity securities(1)
7,522

11

(273
)

7,260

$
28,886

$
1,379

$
(273
)

$
29,992

December 31, 2014

Amortized
Cost

Gross
Unrealized
Gains

Gross
Unrealized
Losses

Estimated
Fair
Value
Available-for-sale securities:

Residential mortgage-backed securities
$
28,957

$
2,108

$
—

$
31,065

Municipals
3,257

10

—

3,267

Equity securities(1)
7,522

16

(151
)

7,387

$
39,736

$
2,134

$
(151
)

$
41,719

(1)
Equity securities consist of Community Reinvestment Act funds.

Schedule of amortized cost and estimated fair value of securities
The amortized cost and estimated fair value of securities are presented below by contractual maturity (in thousands, except percentage data):

December 31, 2015

Less Than
One Year

After One
Through
Five Years

After Five
Through
Ten Years

After Ten
Years

Total
Available-for-sale:

Residential mortgage-backed securities:(1)

Amortized cost
$
214

$
4,655

$
4,265

$
11,402

$
20,536

Estimated fair value
217

4,837

4,747

12,100

21,901

Weighted average yield(3)
5.62
%

4.71
%

5.54
%

2.53
%

3.68
%
Municipals:(2)

Amortized cost
265

563

—

—

828

Estimated fair value
265

566

—

—

831

Weighted average yield(3)
5.46
%

5.69
%

—
%

—
%

5.62
%
Equity securities:(4)

Amortized cost
7,522

—

—

—

7,522

Estimated fair value
7,260

—

—

—

7,260

Total available-for-sale securities:

Amortized cost

$
28,886

Estimated fair value

$
29,992

December 31, 2014

Less Than
One Year

After One
Through
Five Years

After Five
Through
Ten Years

After Ten
Years

Total
Available-for-sale:

Residential mortgage-backed securities:(1)

Amortized cost
$
1

$
9,151

$
5,661

$
14,144

$
28,957

Estimated fair value
1

9,662

6,333

15,069

31,065

Weighted average yield(3)
6.50
%

4.79
%

5.54
%

2.36
%

3.75
%
Municipals:(2)

Amortized cost
1,669

1,588

—

—

3,257

Estimated fair value
1,674

1,593

—

—

3,267

Weighted average yield(3)
5.78
%

5.79
%

—

—

5.79
%
Equity securities:(4)

Amortized cost
7,522

—

—

—

7,522

Estimated fair value
7,387

—

—

—

7,387

Total available-for-sale securities:

Amortized cost

$
39,736

Estimated fair value

$
41,719

(1)
Actual maturities may differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without prepayment penalties. The average expected life of the mortgage-backed securities was 0.8 years at December 31, 2015 and 1.2 years at December 31, 2014.
(2)
Yields have been adjusted to a tax equivalent basis assuming a 35% federal tax rate.
(3)
Yields are calculated based on amortized cost.
(4)
These equity securities do not have a stated maturity.

Schedule of investment securities that have been in a continuous unrealized loss position for less or more than 12 months
The following table discloses, as of December 31, 2015 and December 31, 2014, our investment securities that have been in a continuous unrealized loss position for less than 12 months and those that have been in a continuous unrealized loss position for 12 or more months (in thousands):

December 31, 2015
Less Than 12 Months

12 Months or Longer

Total

Fair
Value

Unrealized
Loss

Fair
Value

Unrealized
Loss

Fair
Value

Unrealized
Loss

Equity securities
$
—

$
—

$
6,227

$
(273
)

$
6,227

$
(273
)

December 31, 2014
Less Than 12 Months

12 Months or Longer

Total

Fair
Value

Unrealized
Loss

Fair
Value

Unrealized
Loss

Fair
Value

Unrealized
Loss

Equity securities
$
—

$
—

$
6,349

$
(151
)

$
6,349

$
(151
)

X

- References
No definition available.
+ Details

Name: us-gaap_AvailableForSaleSecuritiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of maturities of an entity's investments as well as any other information pertinent to the investments.
+ References
No definition available.
+ Details

Name: us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
For all investments in an unrealized loss position, including those for which other-than-temporary impairments have not been recognized in earnings (including investments for which a portion of an other-than-temporary impairment has been recognized in other comprehensive income), a tabular disclosure of the aggregate related fair value of investments with unrealized losses and the aggregate amount of unrealized losses (that is, the amount by which amortized cost basis exceeds fair value).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27290-111563
+ Details

Name: us-gaap_ScheduleOfUnrealizedLossOnInvestmentsTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of unrealized gains and losses on investments.
+ References
No definition available.
+ Details

Name: us-gaap_UnrealizedGainLossOnInvestmentsTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 48 R33.htm IDEA: XBRL DOCUMENT v3.3.1.900

Loans and Allowance for Credit Losses (Tables)
12 Months Ended

Dec. 31, 2015

Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]

Schedule of loans held for investments
Loans held for investment are summarized by category as follows (in thousands):

December 31,

2015

2014
Commercial
$
6,672,631

$
5,869,219

Mortgage finance
4,966,276

4,102,125

Construction
1,851,717

1,416,405

Real estate
3,139,197

2,807,127

Consumer
25,323

19,699

Equipment leases
113,996

99,495

Gross loans held for investment
16,769,140

14,314,070

Deferred income (net of direct origination costs)
(57,190
)

(57,058
)
Allowance for loan losses
(141,111
)

(100,954
)
Total loans held for investment
$
16,570,839

$
14,156,058

Schedule of the credit risk profile of loan portfolio by internally assigned grades and nonaccrual status
The following tables summarize the credit risk profile of our loan portfolio by internally assigned grades and non-accrual status as of December 31, 2015 and 2014 (in thousands):

Commercial

Mortgage
Finance

Construction

Real Estate

Consumer

Equipment Leases

Total
December 31, 2015

Grade:

Pass
$
6,375,332

$
4,966,276

$
1,821,678

$
3,085,463

$
25,093

$
103,560

$
16,377,402

Special mention
111,911

—

13,090

30,585

3

334

155,923

Substandard- accruing
46,731

—

281

3,837

227

4,951

56,027

Non-accrual
138,657

—

16,668

19,312

—

5,151

179,788

Total loans held for investment
$
6,672,631

$
4,966,276

$
1,851,717

$
3,139,197

$
25,323

$
113,996

$
16,769,140

Commercial

Mortgage
Finance

Construction

Real Estate

Consumer

Equipment Leases

Total
December 31, 2014

Grade:

Pass
$
5,738,474

$
4,102,125

$
1,414,671

$
2,785,804

$
19,579

$
91,044

$
14,151,697

Special mention
53,839

—

1,734

8,723

11

4,363

68,670

Substandard-accruing
43,784

—

—

2,653

47

3,915

50,399

Non-accrual
33,122

—

—

9,947

62

173

43,304

Total loans held for investment
$
5,869,219

$
4,102,125

$
1,416,405

$
2,807,127

$
19,699

$
99,495

$
14,314,070

Schedule of activity in the reserve for loan losses by portfolio segment
Allocation of a portion of the reserve to one category of loans does not preclude its availability to absorb losses in other categories.

Commercial

Mortgage
Finance

Construction

Real
Estate

Consumer

Equipment Leases

Additional Qualitative Reserve

Total
December 31, 2015

Beginning balance
$
70,654

$
—

$
7,935

$
15,582

$
240

$
1,141

$
5,402

$
100,954

Provision for loan losses
53,102

—

(1,499
)

(1,845
)

(13
)

2,777

(1,223
)

51,299

Charge-offs
16,254

—

—

389

62

25

—

16,730

Recoveries
4,944

—

400

33

173

38

—

5,588

Net charge-offs (recoveries)
11,310

—

(400
)

356

(111
)

(13
)

—

11,142

Ending balance
$
112,446

$
—

$
6,836

$
13,381

$
338

$
3,931

$
4,179

$
141,111

Period end amount allocated to:

Loans individually evaluated for impairment
$
19,840

$
—

$
—

$
1,191

$
—

$
2,436

$
—

$
23,467

Loans collectively evaluated for impairment
92,606

—

6,836

12,190

338

1,495

4,179

117,644

Ending balance
$
112,446

$
—

$
6,836

$
13,381

$
338

$
3,931

$
4,179

$
141,111


Commercial

Mortgage
Finance

Construction

Real
Estate

Consumer

Equipment Leases

Additional Qualitative Reserve

Total
December 31, 2014

Beginning balance
$
39,868

$
—

$
14,553

$
24,210

$
149

$
3,105

$
5,719

$
87,604

Provision for loan losses
37,827

—

(6,618
)

(8,411
)

195

(3,046
)

(317
)

19,630

Charge-offs
9,803

—

—

296

266

—

—

10,365

Recoveries
2,762

—

—

79

162

1,082

—

4,085

Net charge-offs (recoveries)
7,041

—

—

217

104

(1,082
)

—

6,280

Ending balance
$
70,654

$
—

$
7,935

$
15,582

$
240

$
1,141

$
5,402

$
100,954

Period end amount allocated to:

Loans individually evaluated for impairment
$
7,705

$
—

$
—

$
636

$
9

$
26

$
—

$
8,376

Loans collectively evaluated for impairment
62,949

—

7,935

14,946

231

1,115

5,402

92,578

Ending balance
$
70,654

$
—

$
7,935

$
15,582

$
240

$
1,141

$
5,402

$
100,954

Schedule of recorded investment in loans related to each balance in the allowance for loan losses
Our recorded investment in loans as of December 31, 2015 and 2014 related to each balance in the allowance for loan losses by portfolio segment and disaggregated on the basis of our impairment methodology was as follows (in thousands):

Commercial

Mortgage
Finance

Construction

Real
Estate

Consumer

Equipment Leases

Total
December 31, 2015

Loans individually evaluated for impairment
$
140,479

$
—

$
16,668

$
21,042

$
—

$
5,151

$
183,340

Loans collectively evaluated for impairment
6,532,152

4,966,276

1,835,049

3,118,155

25,323

108,845

16,585,800

Total
$
6,672,631

$
4,966,276

$
1,851,717

$
3,139,197

$
25,323

$
113,996

$
16,769,140

Commercial

Mortgage
Finance

Construction

Real
Estate

Consumer

Equipment Leases

Total
December 31, 2014

Loans individually evaluated for impairment
$
35,165

$
—

$
—

$
13,880

$
62

$
173

$
49,280

Loans collectively evaluated for impairment
5,834,054

4,102,125

1,416,405

2,793,247

19,637

99,322

14,264,790

Total
$
5,869,219

$
4,102,125

$
1,416,405

$
2,807,127

$
19,699

$
99,495

$
14,314,070

Schedule of impaired loans, by portfolio class
The following tables detail our impaired loans, by portfolio class as of December 31, 2015 and 2014 (in thousands):
December 31, 2015


Recorded
Investment

Unpaid
Principal
Balance

Related
Allowance

Average
Recorded
Investment

Interest
Income
Recognized
With no related allowance recorded:

Commercial

Business loans
$
11,097

$
13,529

$
—

$
17,311

$
—

Energy loans
37,968

37,968

—

21,791

36

Construction

Market risk
16,668

16,668

—

9,764

—

Real estate

Market risk
—

—

—

3,352

—

Commercial
15,353

15,353

—

4,364

24

Secured by 1-4 family
—

—

—

—

—

Consumer
—

—

—

—

—

Equipment leases
2,417

2,417

—

3,233

—

Total impaired loans with no allowance recorded
$
83,503

$
85,935

$
—

$
59,815

$
60

With an allowance recorded:

Commercial

Business loans
$
20,983

$
25,300

$
5,737

$
31,131

$
—

Energy loans
70,431

70,431

14,103

6,641

—

Construction

Market risk
—

—

—

—

—

Real estate

Market risk
5,335

5,335

1,066

2,558

—

Commercial
—

—

—

306

—

Secured by 1-4 family
354

354

125

1,580

—

Consumer
—

—

—

10

—

Equipment leases
2,734

2,734

2,436

302

—

Total impaired loans with an allowance recorded
$
99,837

$
104,154

$
23,467

$
42,528

$
—

Combined:

Commercial

Business loans
$
32,080

$
38,829

$
5,737

$
48,442

$
—

Energy loans
108,399

108,399

14,103

28,432

36

Construction

Market risk
16,668

16,668

—

9,764

—

Real estate

Market risk
5,335

5,335

1,066

5,910

—

Commercial
15,353

15,353

—

4,670

24

Secured by 1-4 family
354

354

125

1,580

—

Consumer
—

—

—

10

—

Equipment leases
5,151

5,151

2,436

3,535

—

Total impaired loans
$
183,340

$
190,089

$
23,467

$
102,343

$
60

December 31, 2014


Recorded
Investment

Unpaid
Principal
Balance

Related
Allowance

Average
Recorded
Investment

Interest
Income
Recognized
With no related allowance recorded:

Commercial

Business loans
$
9,608

$
11,857

$
—

$
7,334

$
—

Energy loans
—

—

—

375

25

Construction

Market risk
—

—

—

118

—

Real estate

Market risk
3,735

3,735

—

7,970

—

Commercial
3,521

3,521

—

2,795

—

Secured by 1-4 family
—

—

—

1,210

—

Consumer
—

—

—

—

—

Equipment leases
—

—

—

—

—

Total impaired loans with no allowance recorded
$
16,864

$
19,113

$
—

$
19,802

$
25

With an allowance recorded:

Commercial

Business loans
$
24,553

$
25,553

$
7,433

$
17,705

$
—

Energy loans
1,004

1,004

272

991

—

Construction

Market risk
—

—

—

—

—

Real estate

Market risk
4,203

4,203

317

5,064

—

Commercial
526

526

79

705

—

Secured by 1-4 family
1,895

1,895

240

2,119

—

Consumer
62

62

9

16

—

Equipment leases
173

173

26

41

—

Total impaired loans with an allowance recorded
$
32,416

$
33,416

$
8,376

$
26,641

$
—

Combined:

Commercial

Business loans
$
34,161

$
37,410

$
7,433

$
25,039

$
—

Energy loans
1,004

1,004

272

1,366

25

Construction

Market risk
—

—

—

118

—

Real estate

Market risk
7,938

7,938

317

13,034

—

Commercial
4,047

4,047

79

3,500

—

Secured by 1-4 family
1,895

1,895

240

3,329

—

Consumer
62

62

9

16

—

Equipment leases
173

173

26

41

—

Total impaired loans
$
49,280

$
52,529

$
8,376

$
46,443

$
25

Schedule of an age analysis of accruing past due loans
The table below provides an age analysis of our loans held for investment as of December 31, 2015 (in thousands):

30-59 Days
Past Due

60-89 Days
Past Due

Greater Than
90 Days(1)

Total Past
Due

Non-accrual

Current

Total
Commercial

Business loans
$
15,847

$
3,666

$
7,013

$
26,526

$
30,258

$
5,577,523

$
5,634,307

Energy
500

—

—

500

108,399

929,425

1,038,324

Mortgage finance loans
—

—

—

—

—

4,966,276

4,966,276

Construction

Market risk
—

—

—

—

16,668

1,824,936

1,841,604

Secured by 1-4 family
—

—

—

—

—

10,113

10,113

Real estate

Market risk
—

—

—

—

3,605

2,402,640

2,406,245

Commercial
17,729

—

—

17,729

15,353

612,711

645,793

Secured by 1-4 family
2,319

—

—

2,319

354

84,486

87,159

Consumer
659

—

—

659

—

24,664

25,323

Equipment leases
91

—

—

91

5,151

108,754

113,996

Total loans held for investment
$
37,145

$
3,666

$
7,013

$
47,824

$
179,788

$
16,541,528

$
16,769,140

(1)
Loans past due 90 days and still accruing includes premium finance loans of $6.6 million. These loans are generally secured by obligations of insurance carriers to refund premiums on cancelled insurance policies. The refund of premiums from the insurance carriers can take 180 days or longer from the cancellation date.

Schedule of loans that have been restructured
The following tables summarize, as of December 31, 2015 and 2014, loans that have been restructured during 2015 and 2014 (in thousands):
December 31, 2015


Number of
Contracts

Pre-Restructuring
Outstanding Recorded
Investment

Post-Restructuring
Outstanding Recorded
Investment
Commercial business loans
5

$
20,459

$
14,992

Total new restructured loans in 2015
5

$
20,459

$
14,992

December 31, 2014


Number of
Contracts

Pre-Restructuring
Outstanding Recorded
Investment

Post-Restructuring
Outstanding Recorded
Investment
Real estate - commercial
1

$
1,441

$
1,441

Commercial business loans
1

95

80

Total new restructured loans in 2014
2

$
1,536

$
1,521

The following table provides information on how loans were modified as a restructured loan during the year ended December 31, 2015 and 2014 (in thousands):

December 31,

2015

2014
Extended maturity
$
—

$
1,441

Combination of maturity extension and payment schedule adjustment
14,992

80

Total
$
14,992

$
1,521

X

- Definition
Tabular disclosure of financing receivables by portfolio segment (examples of financing receivables include loans, trade accounts receivable and notes receivable) and activity in the allowance for credit losses account.
+ References
No definition available.
+ Details

Name: tcbi_AllowanceForCreditLossesOnFinancingReceivablesByPortfolioSegmentTableTextBlock

Namespace Prefix: tcbi_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: tcbi_ScheduleOfFinancingReceivablesRelatedToAllowanceForLoanLossesByPortfolioCategoryDisaggregatedBasedOnImpairmentMethodologyTableTextBlock

Namespace Prefix: tcbi_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableGrossAllowanceAndNetAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of financing receivables by credit quality indicator. The credit quality indicator is a statistic about the credit quality of financing receivables. Examples include, but not limited to, consumer credit risk scores, credit-rating-agency ratings, an entity's internal credit risk grades, loan-to-value ratios, collateral, collection experience and other internal metrics.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 55
-Paragraph 19
-URI http://asc.fasb.org/extlink&oid=32702940&loc=SL6953803-111525

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 29
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953659-111524
+ Details

Name: us-gaap_FinancingReceivableCreditQualityIndicatorsTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of impaired financing receivables.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524
+ Details

Name: us-gaap_ImpairedFinancingReceivablesTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of financing receivables that are past due but not impaired, financing receivables that are 90 days past due and still accruing, and financing receivables on nonaccrual status.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5111-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7A
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953401-111524
+ Details

Name: us-gaap_PastDueFinancingReceivablesTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.3,4)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 3, 4
-Article 5
+ Details

Name: us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of financing receivables and troubled debt restructurings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 33
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953676-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 34
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953682-111524
+ Details

Name: us-gaap_TroubledDebtRestructuringsOnFinancingReceivablesTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 49 R34.htm IDEA: XBRL DOCUMENT v3.3.1.900

OREO and Valuation Allowance for Losses on OREO (Tables)
12 Months Ended

Dec. 31, 2015

Real Estate Owned, Disclosure of Detailed Components [Abstract]

Summary of the activity related to OREO
The table below presents a summary of the activity related to OREO (in thousands):

Year ended December 31,

2015

2014

2013
Beginning balance
$
568

$
5,110

$
15,991

Additions
1,267

851

1,331

Sales
(1,557
)

(5,393
)

(11,292
)
Valuation allowance for OREO
—

—

958

Direct write-downs
—

—

(1,878
)
Ending balance
$
278

$
568

$
5,110

X

- Definition
Tabular disclosure of the components of real estate owned (as defined) including valuation allowance for losses on real estate owned.
+ References
No definition available.
+ Details

Name: tcbi_RealEstateOwnedAndValuationAllowanceForLossesOnRealEstateOwnedTableTextBlock

Namespace Prefix: tcbi_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_RealEstateOwnedDisclosureOfDetailedComponentsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 50 R35.htm IDEA: XBRL DOCUMENT v3.3.1.900

Certain Transfers of Financial Assets (Tables)
12 Months Ended

Dec. 31, 2015

Transfers and Servicing [Abstract]

Schedule of Loans Held-for-sale [Table Text Block]
The table below presents the unpaid principal balance of loans held for sale and related fair values at December 31, 2015 (in thousands):

December 31, 2015

Unpaid Principal Balance
Fair Value
Fair Value Over/(Under) Unpaid Principal Balance
Loans held for sale
$
82,853

$
86,075

$
3,222

Schedule of Mortgage Servicing Rights Activity [Table Text Block]
We generally retain the right to service the loans sold, creating MSR assets on our balance sheet. A summary of MSR activities for the year ended December 31, 2015 is as follows (in thousands):

2015
Balance, beginning of year
$
—

Capitalized servicing rights
437

Amortization
(14
)
Balance, end of year
$
423

Fair value
$
423

Schedule of Fair Value Assumption Used to Value Mortgage Servicing Rights Retained [Table Text Block]
For loans securitized and sold for the year ended December 31, 2015 with servicing rights retained, management used the following assumptions to determine the fair value of MSRs at the date of securitization or sale:

2015
Average discount rates
9.76
%
Expected prepayment speeds
9.14
%
Weighted-average life, in years
7.3

X

- Definition
Schedule of Loans Held-for-sale [Table Text Block]
+ References
No definition available.
+ Details

Name: tcbi_ScheduleofLoansHeldforsaleTableTextBlock

Namespace Prefix: tcbi_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of all information related to the key inputs and assumptions used in measuring the fair value of assets obtained or liabilities incurred, as the result of a sale of financial assets, relating to the transferor's continuing involvement, if any, at the time of securitization, asset-backed financing arrangement, or similar transfer (including at a minimum, but not limited to, and if applicable, quantitative information about discount rates, expected prepayments including the expected weighted-average life of prepayable financial assets, and anticipated credit losses, including expected static pool losses).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 20
-Section 50
-Paragraph 3
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=13989330&loc=d3e107207-111719
+ Details

Name: us-gaap_ScheduleOfAssumptionsForFairValueOnSecuritizationDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrServicingLiabilitiesTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of activity in the balance of servicing assets subsequently measured at amortized cost. Includes, but is not limited to, beginning and ending balances, additions, disposals, and amortization.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 50
-Section 50
-Paragraph 4
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=7882072&loc=d3e122739-111746
+ Details

Name: us-gaap_ScheduleOfServicingAssetsAtAmortizedValueTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_TransfersAndServicingAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 51 R36.htm IDEA: XBRL DOCUMENT v3.3.1.900

Goodwill and Other Intangible Assets (Tables)
12 Months Ended

Dec. 31, 2015

Goodwill and Intangible Assets Disclosure [Abstract]

Schedule of goodwill and other intangible assets
Goodwill and other intangible assets at December 31, 2015 and 2014 are summarized as follows (in thousands):

Gross Goodwill
and Intangible
Assets

Accumulated
Amortization

Net
Goodwill
and
Intangible
Assets
December 31, 2015

Goodwill
$
15,370

$
(374
)

$
14,996

Intangible assets—customer relationships and trademarks
9,104

(4,140
)

4,964

Total goodwill and intangible assets
$
24,474

$
(4,514
)

$
19,960

December 31, 2014

Goodwill
$
15,370

$
(374
)

$
14,996

Intangible assets—customer relationships and trademarks
9,104

(3,512
)

5,592

Total goodwill and intangible assets
$
24,474

$
(3,886
)

$
20,588

Schedule of estimated aggregate future amortization expense for intangible assets
The estimated aggregate future amortization expense for intangible assets remaining as of December 31, 2015 is as follows (in thousands):
2016
$
471

2017
473

2018
473

2019
473

2020
435

Thereafter
2,639

$
4,964

X

- References
No definition available.
+ Details

Name: us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of goodwill and intangible assets, which may be broken down by segment or major class.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 20
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=35741047&loc=d3e13816-109267
+ Details

Name: us-gaap_ScheduleOfIntangibleAssetsAndGoodwillTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the amount of amortization expense expected to be recorded in succeeding fiscal years for finite-lived intangible assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 30
-Section 50
-Paragraph 2
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=26713463&loc=d3e16323-109275
+ Details

Name: us-gaap_ScheduleofFiniteLivedIntangibleAssetsFutureAmortizationExpenseTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 52 R37.htm IDEA: XBRL DOCUMENT v3.3.1.900

Premises and Equipment (Tables)
12 Months Ended

Dec. 31, 2015

Property, Plant and Equipment [Abstract]

Summary of premises and equipment
Premises and equipment at December 31, 2015 and 2014 are summarized as follows (in thousands):

December 31,

2015

2014
Premises
$
21,020

$
24,339

Furniture and equipment
26,185

22,418

47,205

46,757

Accumulated depreciation
(23,644
)

(23,622
)
Total premises and equipment, net
$
23,561

$
23,135

X

- References
No definition available.
+ Details

Name: us-gaap_PropertyPlantAndEquipmentAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of physical assets used in the normal conduct of business and not intended for resale. Includes, but is not limited to, balances by class of assets, depreciation and depletion expense and method used, including composite depreciation, and accumulated deprecation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.13)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 360
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 13
-Subparagraph b
-Article 5
+ Details

Name: us-gaap_PropertyPlantAndEquipmentTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 53 R38.htm IDEA: XBRL DOCUMENT v3.3.1.900

Deposits (Tables)
12 Months Ended

Dec. 31, 2015

Deposits [Abstract]

Schedule of deposits
Deposits at December 31, 2015 and 2014 were as follows (in thousands):

2015

2014
Non-interest-bearing demand deposits
$
6,386,911

$
5,011,619

Interest-bearing deposits

Transaction
2,006,591

1,292,388

Savings
6,163,622

5,630,253

Time
527,495

426,331

Deposits in foreign branches
—

312,709

Total interest-bearing deposits
8,697,708

7,661,681

Total deposits
$
15,084,619

$
12,673,300

Schedule of maturities of interest-bearing time deposits
The scheduled maturities of interest-bearing time deposits were as follows at December 31, 2015 (in thousands):

2016
$
502,113

2017
18,138

2018
1,646

2019
4,001

2020
1,597

2021 and after
—

$
527,495

X

- Definition
Tabular disclosure of the types of deposits for each of the years presented on the latest balance sheet date presented.
+ References
No definition available.
+ Details

Name: tcbi_ScheduleOfDepositsTableTextBlock

Namespace Prefix: tcbi_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the combined aggregate amount of maturities for all interest bearing time deposits for each of the five years following the date of the latest balance sheet date presented.
+ References
No definition available.
+ Details

Name: tcbi_ScheduleOfMaturitiesOfInterestBearingTimeDepositTableTextBlock

Namespace Prefix: tcbi_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_DepositsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 54 R39.htm IDEA: XBRL DOCUMENT v3.3.1.900

Borrowing Arrangements (Tables)
12 Months Ended

Dec. 31, 2015

Debt Disclosure [Abstract]

Summary of borrowings
The following table summarizes our borrowings at December 31, 2015, 2014 and 2013 (in thousands):

2015

2014

2013

Balance

Rate(3)

Balance

Rate(3)

Balance

Rate(3)
Federal funds purchased(4)
$
74,164

0.55
%

$
66,971

0.30
%

$
148,650

0.22
%
Customer repurchase agreements(1)
68,887

0.02
%

25,705

0.07
%

21,954

0.06
%
FHLB borrowings(2)
1,500,000

0.31
%

1,100,005

0.13
%

840,026

0.12
%
Line of credit
—

—
%

—

—
%

15,000

2.65
%
Subordinated notes
286,000

5.75
%

286,000

5.82
%

111,000

6.50
%
Trust preferred subordinated debentures
113,406

2.47
%

113,406

2.18
%

113,406

2.17
%
Total borrowings
$
2,042,457

$
1,592,087

$
1,250,036

Maximum outstanding at any month end
$
2,042,457

$
1,592,087

$
1,859,036

(1)
Securities pledged for customer repurchase agreements were $14.2 million, $21.8 million and $37.7 million at December 31, 2015, 2014 and 2013, respectively.
(2)
FHLB borrowings are collateralized by a blanket floating lien on certain real estate secured loans, mortgage finance assets and also certain pledged securities. The weighted-average interest rate for the years ended December 31, 2015, 2014 and 2013 was 0.18%, 0.15% and 0.14%, respectively. The average balance of FHLB borrowings for the years ended December 31, 2015, 2014 and 2013 was $1.2 billion, $213.4 million and $370.0 million, respectively.
(3)
Interest rate as of period end.
(4)
The weighted-average interest rate on Federal funds purchased for the years ended December 31, 2015, 2014 and 2013 was 0.29%, 0.27% and 0.27%, respectively. The average balance of Federal funds purchased for the years ended December 31, 2015, 2014 and 2013 was $98.8 million, $139.3 million and $254.3 million, respectively.

Summary of other borrowing capacities
The following table summarizes our other borrowing capacities net of balances outstanding at December 31, 2015, 2014 and 2013 (in thousands):

2015

2014

2013
FHLB borrowing capacity relating to loans
$
4,101,396

$
3,602,994

$
693,302

FHLB borrowing capacity relating to securities
1,213

535

8,482

Total FHLB borrowing capacity
$
4,102,609

$
3,603,529

$
701,784

Unused Federal funds lines available from commercial banks
$
1,231,000

$
1,186,000

$
890,000

Unused Federal Reserve Borrowings capacity
$
2,966,702

$
2,643,000

$
2,284,000

Schedule of maturities of borrowings
The scheduled maturities of our borrowings at December 31, 2015, were as follows (in thousands):

Within One
Year

After One
But Within
Three Years

After Three
But Within
Five Years

After Five
Years

Total
Federal funds purchased and customer repurchase agreements(1)
$
143,051

$
—

$
—

$
—

$
143,051

FHLB borrowings(1)
700,000

800,000

—

—

1,500,000

Subordinated notes(1)
—

—

—

286,000

286,000

Trust preferred subordinated debentures(1)
—

—

—

113,406

113,406

Total borrowings
$
843,051

$
800,000

$
—

$
399,406

$
2,042,457

(1)
Excludes interest.

X

- Definition
Tabular disclosure of the combined aggregate amount of maturities for all borrowings for each of the five years following the date of the latest balance sheet date presented.
+ References
No definition available.
+ Details

Name: tcbi_ScheduleOfMaturitiesOfBorrowingsTableTextBlock

Namespace Prefix: tcbi_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of entity's other borrowing capacities.
+ References
No definition available.
+ Details

Name: tcbi_ScheduleOfOtherBorrowingCapacitiesTableTextBlock

Namespace Prefix: tcbi_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_DebtDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of information pertaining to short-term and long-debt instruments or arrangements, including but not limited to identification of terms, features, collateral requirements and other information necessary to a fair presentation.
+ References
No definition available.
+ Details

Name: us-gaap_ScheduleOfDebtTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 55 R40.htm IDEA: XBRL DOCUMENT v3.3.1.900

Long-Term Debt (Tables)
12 Months Ended

Dec. 31, 2015

Subordinated Borrowings [Abstract]

Schedule of details of the trust preferred subordinated debentures
As of December 31, 2015, the details of the trust preferred subordinated debentures are summarized below (in thousands):

Texas Capital
Bancshares
Statutory Trust I

Texas Capital
Statutory
Trust II

Texas Capital
Statutory
Trust III

Texas Capital
Statutory
Trust IV

Texas Capital
Statutory Trust V
Date issued
November 19, 2002

April 10, 2003

October 6, 2005

April 28, 2006

September 29, 2006
Trust preferred securities issued
$10,310

$10,310

$25,774

$25,774

$41,238
Floating or fixed rate securities
Floating

Floating

Floating

Floating

Floating
Interest rate on subordinated debentures
3 month LIBOR
+ 3.35%

3 month LIBOR
+ 3.25%

3 month LIBOR
+ 1.51%

3 month LIBOR
+ 1.60%

3 month LIBOR
+ 1.71%
Maturity date
November 2032

April 2033

December 2035

June 2036

December 2036

X

- Definition
Tabular disclosure of the nature and terms of the financial instruments and the rights and obligations embodied in those instruments, information about settlement alternatives, if any, in the contract and identification of the entity that controls the settlement alternatives including: a. The amount that would be paid, or the number of shares that would be issued and their fair value, determined under the conditions specified in the contract if the settlement were to occur at the reporting date b. How changes in the fair value of the issuer's equity shares would affect those settlement amounts (for example, "the issuer is obligated to issue an additional x shares or pay an additional y dollars in cash for each $1 decrease in the fair value of one share") c. The maximum amount that the issuer could be required to pay to redeem the instrument by physical settlement, if applicable d. The maximum number of shares that could be required to be issued, if applicable e. That a contract does not limit the amount that the issuer could be required to pay or the number of shares that the issuer could be required to issue, if applicable f. For a forward contract or an option indexed to the issuer's equity shares, the forward price or option strike price, the number of issuer's shares to which the contract is indexed, and the settlement date or dates of the contract, as applicable. g. The components of the liability that would otherwise be related to shareholders' interest and other comprehensive income (if any) subject to the redemption feature (for example, par value and other paid in amounts of mandatorily redeemable instruments are disclosed separately from the amount of retained earnings or accumulated deficit).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 480
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6940734&loc=d3e22026-110879

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 480
-SubTopic 10
-Section 45
-Paragraph 2A
-URI http://asc.fasb.org/extlink&oid=6402702&loc=SL5909891-110878

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 480
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6940734&loc=d3e22047-110879
+ Details

Name: us-gaap_SharesSubjectToMandatoryRedemptionDisclosureTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_SubordinatedBorrowingsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 56 R41.htm IDEA: XBRL DOCUMENT v3.3.1.900

Income Taxes (Tables)
12 Months Ended

Dec. 31, 2015

Income Tax Disclosure [Abstract]

Schedule of income tax expense/(benefit)
Income tax expense/(benefit) consists of the following for the years ended (in thousands):

Year ended December 31,

2015

2014

2013
Current:

Federal
$
80,957

$
77,855

$
76,478

State
2,245

2,124

1,878

Total
83,202

79,979

78,356

Deferred

Federal
(3,561
)

(3,969
)

(11,599
)
State
—

—

—

Total
(3,561
)

(3,969
)

(11,599
)
Total expense

Federal
77,396

73,886

64,879

State
2,245

2,124

1,878

Total
$
79,641

$
76,010

$
66,757

Schedule of deferred tax assets and liabilities
Significant components of deferred tax assets and liabilities are as follows (in thousands):

December 31,

2015

2014
Deferred tax assets:

Allowance for credit losses
$
53,368

$
38,356

Loan origination fees
13,435

13,651

Stock compensation
5,509

8,263

Mark to market on mortgage loans
184

215

Reserve for potential mortgage loan repurchases
—

20

Non-accrual interest
1,198

1,272

Deferred lease expense
3,779

1,688

Depreciation
—

691

OREO valuation allowance
8

22

Other
1,299

1,298

Total deferred tax assets
78,780

65,476

Deferred tax liabilities:

Loan origination costs
(1,726
)

(1,488
)
Leases
(10,121
)

(9,466
)
Depreciation
(8,296
)

—

Unrealized gain on securities
(387
)

(694
)
Other
(2,468
)

(1,914
)
Total deferred tax liabilities
(22,998
)

(13,562
)
Net deferred tax asset
$
55,782

$
51,914

Reconciliation of income attributable to continuing operations
The reconciliation of income computed at the U.S. federal statutory tax rates to income tax expense (benefit) is as follows:

Year ended December 31,

2015

2014

2013
Tax at U.S. statutory rate
35
%

35
%

35
%
State taxes
1
%

1
%

1
%
Non-deductible expenses
1
%

1
%

1
%
Non-taxable income
(1
)%

(1
)%

(1
)%
Other
(1
)%

—

—

Total
35
%

36
%

36
%

X

- References
No definition available.
+ Details

Name: us-gaap_IncomeTaxDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the components of income tax expense attributable to continuing operations for each year presented including, but not limited to: current tax expense (benefit), deferred tax expense (benefit), investment tax credits, government grants, the benefits of operating loss carryforwards, tax expense that results from allocating certain tax benefits either directly to contributed capital or to reduce goodwill or other noncurrent intangible assets of an acquired entity, adjustments of a deferred tax liability or asset for enacted changes in tax laws or rates or a change in the tax status of the entity, and adjustments of the beginning-of-the-year balances of a valuation allowance because of a change in circumstances that causes a change in judgment about the realizability of the related deferred tax asset in future years.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 9
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319
+ Details

Name: us-gaap_ScheduleOfComponentsOfIncomeTaxExpenseBenefitTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the components of net deferred tax asset or liability recognized in an entity's statement of financial position, including the following: the total of all deferred tax liabilities, the total of all deferred tax assets, the total valuation allowance recognized for deferred tax assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319
+ Details

Name: us-gaap_ScheduleOfDeferredTaxAssetsAndLiabilitiesTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the reconciliation using percentage or dollar amounts of the reported amount of income tax expense attributable to continuing operations for the year to the amount of income tax expense that would result from applying domestic federal statutory tax rates to pretax income from continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319
+ Details

Name: us-gaap_ScheduleOfEffectiveIncomeTaxRateReconciliationTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 57 R42.htm IDEA: XBRL DOCUMENT v3.3.1.900

Employee Benefits (Tables)
12 Months Ended

Dec. 31, 2015

Compensation Related Costs [Abstract]

Schedule of weighted-average assumptions
The fair value of the options and SARs were estimated at the date of grant using the Black-Scholes option pricing model with the following weighted-average assumptions. No stock options or SARs were granted in 2015.

2015

2014

2013
Risk-free rate
N/A

1.46
%

1.17
%
Market price volatility factor
N/A

0.402

0.409

Weighted-average expected life of options
N/A

5 years

5 years

Summary of stock option activity
A summary of our stock option activity and related information for 2015, 2014 and 2013 is as follows:

December 31, 2015

December 31, 2014

December 31, 2013

Options

Weighted
Average
Exercise
Price

Options

Weighted
Average
Exercise
Price

Options

Weighted
Average
Exercise
Price
Options outstanding at beginning of year
25,000

$
20.60

54,900

$
18.65

174,062

$
13.51

Options exercised
(21,000
)

20.05

(28,400
)

17.34

(119,162
)

11.14

Options forfeited
(4,000
)

23.50

(1,500
)

14.91

—

—

Options outstanding at year-end
—

$
—

25,000

$
20.60

54,900

$
18.65

Options vested and exercisable at year-end
—

$
—

25,000

$
20.60

54,900

$
18.65

Intrinsic value of options vested and exercisable
$
—

$
843,190

$
2,391,014

Weighted average remaining contractual life of options vested and exercisable (in years)

0.00

0.30

0.97

Intrinsic value of options exercised
$
565,000

$
1,193,070

$
4,176,787

Weighted average remaining contractual life of options currently outstanding (in years)

0.00

0.30

0.97

Schedule of stock appreciation rights activity
These rights are time-vested and generally vest ratably over a period of five years.

December 31, 2015

December 31, 2014

December 31, 2013

SARs

Weighted
Average
Exercise
Price

SARs

Weighted
Average
Exercise
Price

SARs /
PSARs

Weighted
Average
Exercise
Price
SARs outstanding at beginning of year
445,009

$
24.83

537,149

$
23.68

640,220

$
20.90

SARs granted
—

—

8,000

62.02

53,500

43.73

SARs exercised
(84,465
)

20.97

(92,640
)

20.87

(134,271
)

19.21

SARs forfeited
—

—

(7,500
)

31.16

(22,300
)

18.99

SARs outstanding at year-end
360,544

$
25.73

445,009

$
24.83

537,149

$
23.68

SARs vested and exercisable at year-end
307,144

$
22.49

355,509

$
21.16

384,974

$
20.64

Weighted average remaining contractual life of SARs vested

2.36

2.89

3.46

Compensation expense
$
367,000

$
530,000

$
564,000

Weighted average fair value of SARs granted

$
—

$
23.02

$
16.26

Fair value of shares vested during the year
$
436,000

$
580,345

$
566,341

Weighted average remaining contractual life of SARs currently outstanding (in years)

3.08

3.85

4.68

Intrinsic value of SARs exercised
$
8,291,000

$
11,794,000

$
16,000,000

Summary of status and changes in nonvested restricted stock units
The following table summarizes the status of and changes in our RSUs:

Restricted Stock Units

Number
of Shares

Weighted-
Average Grant-
Date Fair Value
Balance, January 1, 2013
411,919

$
23.80

Granted
163,500

45.35

Vested and issued
(151,480
)

20.47

Forfeited
(20,200
)

24.96

Balance, December 31, 2013
403,739

33.72

Granted
64,050

57.84

Vested and issued
(161,249
)

26.40

Forfeited
(17,375
)

37.40

Balance, December 31, 2014
289,165

42.93

Granted
144,952

51.96

Vested and issued
(95,943
)

38.05

Forfeited
(12,200
)

43.89

Balance, December 31, 2015
325,974

$
48.42

X

- References
No definition available.
+ Details

Name: us-gaap_CompensationRelatedCostsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the number and weighted-average grant date fair value for restricted stock units that were outstanding at the beginning and end of the year, and the number of restricted stock units that were granted, vested, or forfeited during the year.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ScheduleOfShareBasedCompensationRestrictedStockUnitsAwardActivityTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the number and weighted-average exercise prices (or conversion ratios) for stock appreciation rights awards that were outstanding at the beginning and end of the year, and the number of stock appreciation rights awards that were granted, exercised or converted, forfeited, and expired during the year.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ScheduleOfShareBasedCompensationStockAppreciationRightsAwardActivityTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the number and weighted-average exercise prices (or conversion ratios) for share options (or share units) that were outstanding at the beginning and end of the year, vested and expected to vest, exercisable or convertible at the end of the year, and the number of share options or share units that were granted, exercised or converted, forfeited, and expired during the year.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ScheduleOfShareBasedCompensationStockOptionsActivityTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the significant assumptions used during the year to estimate the fair value of stock options, including, but not limited to: (a) expected term of share options and similar instruments, (b) expected volatility of the entity's shares, (c) expected dividends, (d) risk-free rate(s), and (e) discount for post-vesting restrictions.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (f)(2)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ScheduleOfShareBasedPaymentAwardStockOptionsValuationAssumptionsTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 58 R43.htm IDEA: XBRL DOCUMENT v3.3.1.900

Financial Instruments with Off-Balance Sheet Risk (Tables)
12 Months Ended

Dec. 31, 2015

Risks and Uncertainties [Abstract]

Schedule of financial instruments with off-balance sheet risk
At December 31, 2015 and 2014, commitments to extend credit and standby and commercial letters of credit were as follows (in thousands):

December 31,

2015

2014
Commitments to extend credit
$
5,542,363

$
5,324,460

Standby letters of credit
182,219

177,808

At December 31, 2015 and 2014, we had $9.0 million and $7.1 million, respectively, in allowance allocations for these off-balance sheet commitments recorded in other liabilities.

X

- References
No definition available.
+ Details

Name: us-gaap_RisksAndUncertaintiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined) which are not recognized in the financial statements (off-balance sheet) because they fail to meet some other criterion for recognition.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13467-108611

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 10
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13433-108611
+ Details

Name: us-gaap_ScheduleOfFairValueOffBalanceSheetRisksTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 59 R44.htm IDEA: XBRL DOCUMENT v3.3.1.900

Regulatory Restrictions (Tables)
12 Months Ended

Dec. 31, 2015

Regulatory Capital Requirements [Abstract]

Schedule of compliance with Regulatory Capital Requirements
Because our Bank had less than $15.0 billion in total consolidated assets as of December 31, 2009, we are allowed to continue to classify our trust preferred securities, all of which were issued prior to May 19, 2010, as Tier 1 capital.
The table below summarizes our capital ratios:

Actual

For Capital
Adequacy
Purposes

To Be Well Capitalized
Under Prompt Corrective
Action Provisions
(Dollars in thousands)
Amount

Ratio

Amount

Ratio

Amount

Ratio
As of December 31, 2015:

CET1:

Company
$
1,455,662

7.47
%

$
876,563

4.50
%

N/A

N/A

Bank
1,522,729

7.82
%

876,336

4.50
%

$
1,265,819

6.50
%
Total capital (to risk-weighted assets):

Company
$
2,152,292

11.05
%

$
1,558,334

8.00
%

N/A

N/A

Bank
2,058,359

10.57
%

1,557,931

8.00
%

$
1,947,414

10.00
%
Tier 1 capital (to risk-weighted assets):

Company
$
1,716,170

8.81
%

$
1,168,751

6.00
%

N/A

N/A

Bank
1,683,237

8.64
%

1,168,448

6.00
%

$
1,557,931

8.00
%
Tier 1 capital (to average assets):

Company
$
1,716,170

8.92
%

$
769,258

4.00
%

N/A

N/A

Bank
1,683,237

8.75
%

769,498

4.00
%

$
961,873

5.00
%
As of December 31, 2014:

CET1:

Company
$
1,312,225

7.89
%

$
748,445

4.50
%

N/A

N/A

Bank
1,263,569

7.60
%

748,252

4.50
%

$
1,080,809

6.50
%
Total capital (to risk-weighted assets):

Company
$
1,967,021

11.83
%

$
1,330,568

8.00
%

N/A

N/A

Bank
1,757,365

10.57
%

1,330,226

8.00
%

$
1,662,782

10.00
%
Tier 1 capital (to risk-weighted assets):

Company
$
1,573,007

9.46
%

$
665,284

4.00
%

N/A

N/A

Bank
1,424,351

8.57
%

665,113

4.00
%

$
997,669

6.00
%
Tier 1 capital (to average assets):

Company
$
1,573,007

10.76
%

$
584,765

4.00
%

N/A

N/A

Bank
1,424,351

9.75
%

584,597

4.00
%

$
730,746

5.00
%

X

- References
No definition available.
+ Details

Name: us-gaap_RegulatoryCapitalRequirementsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the capital amounts and ratios as of the balance sheet date, indicating whether the entity or entities are in compliance with regulatory capital requirements, by entity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1B
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1H
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1G
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958577-112826
+ Details

Name: us-gaap_ScheduleOfComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 60 R45.htm IDEA: XBRL DOCUMENT v3.3.1.900

Earnings Per Share (Tables)
12 Months Ended

Dec. 31, 2015

Earnings Per Share [Abstract]

Schedule of computation of basic and diluted earnings per share
The following table presents the computation of basic and diluted earnings per share (in thousands except share data):

Year ended December 31,

2015

2014

2013
Numerator:

Net income
$
144,854

$
136,352

$
121,051

Preferred stock dividends
9,750

9,750

7,394

Net income available to common stockholders
$
135,104

$
126,602

$
113,657

Denominator:

Denominator for basic earnings per share—weighted average shares
45,808,440

43,236,344

40,864,225

Effect of employee stock-based awards(1)
211,168

311,423

402,593

Effect of warrants to purchase common stock
418,264

455,489

513,063

Denominator for dilutive earnings per share—adjusted weighted average shares and assumed conversions
46,437,872

44,003,256

41,779,881

Basic earnings per common share
$
2.95

$
2.93

$
2.78

Diluted earnings per common share
$
2.91

$
2.88

$
2.72

(1)
Stock options, SARs and RSUs outstanding of 64,700, 51,300 and 118,500 in 2015, 2014 and 2013, respectively, have not been included in diluted earnings per share because to do so would have been antidilutive for the periods presented. Stock options are antidilutive when the exercise price is higher than the average market price of the Company’s common stock.

X

- References
No definition available.
+ Details

Name: us-gaap_EarningsPerShareAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of an entity's basic and diluted earnings per share calculations, including a reconciliation of numerators and denominators of the basic and diluted per-share computations for income from continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257
+ Details

Name: us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 61 R46.htm IDEA: XBRL DOCUMENT v3.3.1.900

Fair Value Disclosures (Tables)
12 Months Ended

Dec. 31, 2015

Fair Value Disclosures [Abstract]

Schedule of assets and liabilities measured at fair value
Assets and liabilities measured at fair value at December 31, 2015 and 2014 are as follows (in thousands):

Fair Value Measurements Using
December 31, 2015
Level 1

Level 2

Level 3
Available for sale securities:(1)

Mortgage-backed securities
$
—

$
21,901

$
—

Municipals
—

831

—

Equity securities(2)
—

7,260

—

Loans held for sale(3)
—

86,075

—

Loans(4)(6)
—

—

41,420

OREO(5)(6)
—

—

278

Derivative assets(7)
—

35,292

—

Derivative liabilities(7)
—

35,420

—

December 31, 2014

Available for sale securities:(1)

Mortgage-backed securities
$
—

$
31,065

$
—

Municipals
—

3,267

—

Equity securities(2)
—

7,387

—

Loans held for sale(3)
—

—

—

Loans(4)(6)
—

—

23,536

OREO(5)(6)
—

—

568

Derivative assets(7)
—

31,176

—

Derivative liabilities(7)
—

31,176

—

(1)
Securities are measured at fair value on a recurring basis, generally monthly.
(2)
Equity securities consist of Community Reinvestment Act funds.
(3)
Loans held for sale are measured at fair value on a recurring basis, generally monthly.
(4)
Includes impaired loans that have been measured for impairment at the fair value of the loan’s collateral.
(5)
OREO is transferred from loans to OREO at fair value less selling costs.
(6)
Fair value of loans and OREO is measured on a nonrecurring basis, generally annually or more often as warranted by market and economic conditions
(7)
Derivative assets and liabilities are measured at fair value on a recurring basis, generally quarterly.

Summary of the carrying amounts and estimated fair values of financial instruments
A summary of the carrying amounts and estimated fair values of financial instruments is as follows (in thousands):

December 31, 2015

December 31, 2014

Carrying
Amount

Estimated
Fair Value

Carrying
Amount

Estimated
Fair Value
Cash and cash equivalents
$
1,790,870

$
1,790,870

$
1,330,514

$
1,330,514

Securities, available-for-sale
29,992

29,992

41,719

41,719

Loans held for sale
86,075

86,075

—

—

Loans held for investment, net
16,570,839

16,576,297

14,156,058

14,161,484

Derivative assets
35,292

35,292

31,176

31,176

Deposits
15,084,619

15,085,080

12,673,300

12,673,607

Federal funds purchased
74,164

74,164

66,971

66,971

Customer repurchase agreements
68,887

68,887

25,705

25,705

Other borrowings
1,500,000

1,500,000

1,100,005

1,100,005

Subordinated notes
286,000

291,091

286,000

289,947

Trust preferred subordinated debentures
113,406

113,406

113,406

113,406

Derivative liabilities
35,420

35,420

31,176

31,176

X

- Definition
Tabular disclosure of the inputs and valuation techniques used to measure fair value, and a discussion of changes in valuation techniques and related inputs, if any, applied during the period to each separate class of assets, liabilities, and financial instruments classified in shareholders' equity that are measured on a recurring and/or nonrecurring basis.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 820
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (bbb)
-URI http://asc.fasb.org/extlink&oid=36462937&loc=d3e19207-110258
+ Details

Name: us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisValuationTechniquesTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of the fair value of financial instruments, including financial assets and financial liabilities, and the measurements of those instruments, assets, and liabilities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13476-108611

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 820
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=36462937&loc=d3e19207-110258

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13467-108611

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6447952&loc=d3e13220-108610

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 30
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6957238&loc=d3e14172-108612

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 10
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13433-108611
+ Details

Name: us-gaap_FairValueByBalanceSheetGroupingTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_FairValueDisclosuresAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 62 R47.htm IDEA: XBRL DOCUMENT v3.3.1.900

Commitments and Contingencies (Tables)
12 Months Ended

Dec. 31, 2015

Commitments and Contingencies Disclosure [Abstract]

Schedule of minimum future lease payments under operating leases
Minimum future lease payments under operating leases are as follows (in thousands):

Year ending December 31,
Minimum
Payments
2016
$
15,572

2017
15,667

2018
15,633

2019
15,345

2020
14,501

2021 and thereafter
39,059

$
115,777

X

- References
No definition available.
+ Details

Name: us-gaap_CommitmentsAndContingenciesDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of future minimum payments required in the aggregate and for each of the five succeeding fiscal years for operating leases having initial or remaining noncancelable lease terms in excess of one year and the total minimum rentals to be received in the future under noncancelable subleases as of the balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 840
-SubTopic 20
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6453985&loc=d3e41502-112717
+ Details

Name: us-gaap_ScheduleOfFutureMinimumRentalPaymentsForOperatingLeasesTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 63 R48.htm IDEA: XBRL DOCUMENT v3.3.1.900

Parent Company Only (Tables)
12 Months Ended

Dec. 31, 2015

Condensed Financial Information of Parent Company Only Disclosure [Abstract]

Balance Sheet
Balance Sheet

December 31,

2015

2014
Assets

Cash and cash equivalents
$
53,061

$
176,324

Investment in subsidiaries
1,714,158

1,459,092

Other assets
86,359

82,783

Total assets
$
1,853,578

$
1,718,199

Liabilities and Stockholders’ Equity

Other liabilities
$
1,119

$
1,328

Subordinated notes
111,000

111,000

Trust preferred subordinated debentures
113,406

113,406

Total liabilities
225,525

225,734

Preferred stock
150,000

150,000

Common stock
459

457

Additional paid-in capital
724,698

719,890

Retained earnings
752,186

620,837

Treasury stock
(8
)

(8
)
Accumulated other comprehensive income
718

1,289

Total stockholders’ equity
1,628,053

1,492,465

Total liabilities and stockholders’ equity
$
1,853,578

$
1,718,199

Statement of Earnings
Statement of Earnings

Year ended December 31,

2015

2014

2013
Loan income
$
3,250

$
10,850

$
10,382

Dividend income
10,400

5,275

76

Other income
76

28

72

Total income
13,726

16,153

10,530

Other non-interest income
8

—

—

Interest expense
9,867

10,038

9,863

Salaries and employee benefits
499

617

669

Legal and professional
1,640

2,237

2,605

Other non-interest expense
1,637

933

651

Total expense
13,643

13,825

13,788

Income (loss) before income taxes and equity in undistributed income of subsidiary
91

2,328

(3,258
)
Income tax expense (benefit)
33

833

(1,165
)
Income (loss) before equity in undistributed income of subsidiary
58

1,495

(2,093
)
Equity in undistributed income of subsidiary
141,041

132,980

123,144

Net income
141,099

134,475

121,051

Preferred stock dividends
9,750

9,750

7,394

Net income available to common stockholders
$
131,349

$
124,725

$
113,657

Statement of Cash Flows
Statements of Cash Flows

Year ended December 31,

2015

2014

2013

(in thousands)
Operating Activities

Net income
$
141,099

$
134,475

$
121,051

Adjustments to reconcile net income to net cash used in operating activities:

Equity in undistributed income of subsidiary
(141,041
)

(132,980
)

(123,144
)
Increase in other assets
(2,123
)

(2,120
)

(2,413
)
Excess tax benefits from stock-based compensation arrangements
(1,499
)

(2,929
)

(1,200
)
Increase in other liabilities
(209
)

74

37

Net cash used in operating activities of continuing operations
(3,773
)

(3,480
)

(5,669
)
Investing Activities

Investments in and advances to subsidiaries
(110,000
)

(100,000
)

(240,000
)
Net cash used in investing activities
(110,000
)

(100,000
)

(240,000
)
Financing Activities

Proceeds from sale of stock related to stock-based awards
(1,239
)

(2,203
)

(2,210
)
Proceeds from sale of common stock
—

256,223

—

Proceeds from issuance of preferred stock
—

—

144,987

Preferred dividends paid
(9,750
)

(9,750
)

(6,960
)
Issuance of subordinated notes
—

—

—

Net other borrowings
—

(15,000
)

15,000

Excess tax benefits from stock-based compensation arrangements
1,499

2,929

1,200

Net cash provided by financing activities
(9,490
)

232,199

152,017

Net increase (decrease) in cash and cash equivalents
(123,263
)

128,719

(93,652
)
Cash and cash equivalents at beginning of year
176,324

47,605

141,257

Cash and cash equivalents at end of year
$
53,061

$
176,324

$
47,605

X

- References
No definition available.
+ Details

Name: us-gaap_CondensedFinancialInformationOfParentCompanyOnlyDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of condensed balance sheet, including, but not limited to, balance sheets of consolidated entities and consolidation eliminations.
+ References
No definition available.
+ Details

Name: us-gaap_ScheduleOfCondensedBalanceSheetTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of condensed cash flow statement, including, but not limited to, cash flow statements of consolidated entities and consolidation eliminations.
+ References
No definition available.
+ Details

Name: us-gaap_ScheduleOfCondensedCashFlowStatementTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of condensed income statement, including, but not limited to, income statements of consolidated entities and consolidation eliminations.
+ References
No definition available.
+ Details

Name: us-gaap_ScheduleOfCondensedIncomeStatementTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 64 R49.htm IDEA: XBRL DOCUMENT v3.3.1.900

Derivative Financial Instruments (Tables)
12 Months Ended

Dec. 31, 2015

Derivative Instruments and Hedging Activities Disclosure [Abstract]

Schedule of Derivative Instruments
The notional amounts and estimated fair values of interest rate derivative positions outstanding at December 31, 2015 and 2014 presented in the following table (in thousands):

December 31, 2015

December 31, 2014

Estimated Fair Value

Estimated Fair Value

Notional
Amount

Asset Derivative
Liability Derivative

Notional
Amount

Asset Derivative
Liability Derivative
Non-hedging interest rate derivatives:

Financial institution counterparties:

Commercial loan/lease interest rate swaps
$
976,389

$
—

$
33,851

$
866,432

$
361

$
30,162

Commercial loan/lease interest rate caps
194,304

1,441

—

63,414

1,014

—

Customer counterparties:

Commercial loan/lease interest rate swaps
976,389

33,851

—

866,432

30,162

361

Commercial loan/lease interest rate caps
194,304

—

1,441

63,414

—

1,014

Economic hedging interest rate derivatives:

Loan purchase commitments
62,835

—

109

—

—

—

Forward sale commitments
143,200

—

19

—

—

—

Gross derivatives

35,292

35,420

31,537

31,537

Offsetting derivative assets/liabilities

—

—

(361
)
(361
)
Net derivatives included in the consolidated balance sheets

$
35,292

$
35,420

$
31,176

$
31,176

Schedule Of Weighted Average Interest Rate Received And Paid
The weighted-average receive and pay interest rates for interest rate swaps outstanding at December 31, 2015 and 2014 were as follows:

December 31, 2015
Weighted-Average Interest Rate

December 31, 2014
Weighted-Average Interest Rate

Received

Paid

Received

Paid
Non-hedging interest rate swaps
2.96
%

4.72
%

2.79
%

4.82
%

X

- Definition
Tabular disclosure of weighted average interest rate received and paid for interest rate swaps.
+ References
No definition available.
+ Details

Name: tcbi_ScheduleOfWeightedAverageInterestRateReceivedAndPaidTableTextBlock

Namespace Prefix: tcbi_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_DerivativeInstrumentsAndHedgingActivitiesDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tabular disclosure of pertinent information about a derivative or group of derivatives on a disaggregated basis, such as for individual instruments, or small groups of similar instruments. May include a combination of the type of instrument, risks being hedged, notional amount, hedge designation, related hedged item, inception date, maturity date, or other relevant item.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=35706170&loc=d3e41641-113959

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 4B
-URI http://asc.fasb.org/extlink&oid=35706170&loc=SL5624163-113959

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=35706170&loc=d3e41678-113959

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=35706170&loc=d3e41638-113959

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 1B
-URI http://asc.fasb.org/extlink&oid=35706170&loc=SL5580258-113959

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 1A
-URI http://asc.fasb.org/extlink&oid=35706170&loc=SL5579245-113959

Reference 7: 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=35706170&loc=SL5624171-113959

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 25
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6886632&loc=d3e76258-113986

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=35706170&loc=SL5579240-113959

Reference 10: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=35706170&loc=d3e41620-113959

Reference 11: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(n)(2))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690
+ Details

Name: us-gaap_ScheduleOfDerivativeInstrumentsTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 65 R50.htm IDEA: XBRL DOCUMENT v3.3.1.900

Quarterly Financial Data (Tables)
12 Months Ended

Dec. 31, 2015

Selected Quarterly Financial Information [Abstract]

Schedule of Quarterly Financial Information

2015 Selected Quarterly Financial Data

Fourth

Third

Second

First
Interest income
$
154,820

$
153,856

$
153,374

$
140,908

Interest expense
12,632

11,808

11,089

10,899

Net interest income
142,188

142,048

142,285

130,009

Provision for credit losses
14,000

13,750

14,500

11,000

Net interest income after provision for credit losses
128,188

128,298

127,785

119,009

Non-interest income
11,320

11,380

12,771

12,267

Non-interest expense
87,042

81,688

81,276

76,517

Income before income taxes
52,466

57,990

59,280

54,759

Income tax expense
17,713

20,876

21,343

19,709

Net income
34,753

37,114

37,937

35,050

Preferred stock dividends
2,437

2,438

2,437

2,438

Net income available to common stockholders
$
32,316

$
34,676

$
35,500

$
32,612

Basic earnings per share:
$
0.70

$
0.76

$
0.78

$
0.71

Diluted earnings per share:
$
0.70

$
0.75

$
0.76

$
0.70

Average shares

Basic
45,856,000

45,828,000

45,790,000

45,759,000

Diluted
46,480,000

46,471,000

46,443,000

46,368,000

2014 Selected Quarterly Financial Data

Fourth

Third

Second

First
Interest income
$
137,833

$
135,290

$
124,813

$
116,611

Interest expense
10,251

9,629

9,406

8,296

Net interest income
127,582

125,661

115,407

108,315

Provision for credit losses
6,500

6,500

4,000

5,000

Net interest income after provision for credit losses
121,082

119,161

111,407

103,315

Non-interest income
11,226

10,396

10,533

10,356

Non-interest expense
74,117

71,915

69,765

69,317

Income before income taxes
58,191

57,642

52,175

44,354

Income tax expense
20,357

20,810

18,754

16,089

Net income
37,834

36,832

33,421

28,265

Preferred stock dividends
2,437

2,438

2,437

2,438

Net income available to common stockholders
$
35,397

$
34,394

$
30,984

$
25,827

Basic earnings per share:
$
0.80

$
0.80

$
0.72

$
0.61

Diluted earnings per share:
$
0.78

$
0.78

$
0.71

$
0.60

Average shares

Basic
44,406,000

43,144,000

43,075,000

42,298,000

Diluted
45,093,000

43,850,000

43,845,000

43,220,000

X

- Definition
Tabular disclosure of the quarterly financial data in the annual financial statements. The disclosure includes financial information for each fiscal quarter for the current and previous year, including revenues, gross profit, income (loss) before extraordinary items and cumulative effect of a change in accounting principle and earnings per share data.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 270
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (a)-(j)
-URI http://asc.fasb.org/extlink&oid=35737889&loc=d3e1280-108306
+ Details

Name: us-gaap_ScheduleOfQuarterlyFinancialInformationTableTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_SelectedQuarterlyFinancialInformationAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 66 R51.htm IDEA: XBRL DOCUMENT v3.3.1.900

Securities (Details) - USD ($)
$ in Thousands

Dec. 31, 2015

Dec. 31, 2014

Available-for-sale securities:

Amortized Cost $ 28,886 $ 39,736

Gross Unrealized Gains 1,379 2,134

Gross Unrealized Losses (273) (151)

Estimated Fair Value 29,992 41,719

Residential mortgage-backed securities

Available-for-sale securities:

Amortized Cost 20,536 28,957

Gross Unrealized Gains 1,365 2,108

Gross Unrealized Losses 0 0

Estimated Fair Value 21,901 31,065

Municipals

Available-for-sale securities:

Amortized Cost 828 3,257

Gross Unrealized Gains 3 10

Gross Unrealized Losses 0 0

Estimated Fair Value 831 3,267

Equity securities

Available-for-sale securities:

Amortized Cost 7,522 7,522

Gross Unrealized Gains 11 16

Gross Unrealized Losses (273) (151)

Estimated Fair Value $ 7,260 $ 7,387

X

- Definition
Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 25
-Paragraph 1
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=28360136&loc=d3e22054-111558

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 5
-Subparagraph (aa)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 45
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6871852&loc=d3e26610-111562
+ Details

Name: us-gaap_AvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before tax of unrealized gain in accumulated other comprehensive income (AOCI) on investments in debt and equity securities classified as available-for-sale.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563
+ Details

Name: us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedGainBeforeTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount before tax of unrealized loss in accumulated other comprehensive income (AOCI) on investments in debt and equity securities classified as available-for-sale.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563
+ Details

Name: us-gaap_AvailableForSaleSecuritiesAccumulatedGrossUnrealizedLossBeforeTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
This item represents the cost of debt and equity securities, which are categorized neither as held-to-maturity nor trading, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments recognized, as defined), and fair value hedge accounting adjustments, if any.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.2)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682
+ Details

Name: us-gaap_AvailableForSaleSecuritiesAmortizedCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_MortgageBackedSecuritiesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_USStatesAndPoliticalSubdivisionsMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_EquitySecuritiesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 67 R52.htm IDEA: XBRL DOCUMENT v3.3.1.900

Securities (Details 1) - USD ($)
$ in Thousands
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Amortized cost

Amortized Cost $ 28,886 $ 39,736

Estimated fair value

Total $ 29,992 $ 41,719

Available-for-sale Securities, Other Disclosure Items

Federal tax rate (percent) 35.00% 35.00% 35.00%

Securities pledged as collateral $ 20,700 $ 32,700

Residential mortgage-backed securities

Amortized cost

Less Than One Year 214 1

After One Through Five Years 4,655 9,151

After Five Through Ten Years 4,265 5,661

After Ten Years 11,402 14,144

Amortized Cost 20,536 28,957

Estimated fair value

Less Than One Year 217 1

After One Through Five Years 4,837 9,662

After Five Through Ten Years 4,747 6,333

After Ten Years 12,100 15,069

Total $ 21,901 $ 31,065

Weighted average yield

Less Than One Year 5.62% 6.50%

After One Through Five Years 4.71% 4.79%

After Five Through Ten Years 5.54% 5.54%

After Ten Years 2.53% 2.36%

Total 3.68% 3.75%

Available-for-sale Securities, Other Disclosure Items

Average expected life of mortgage-backed securities 9 months 1 year 2 months

Municipals

Amortized cost

Less Than One Year $ 265 $ 1,669

After One Through Five Years 563 1,588

After Five Through Ten Years 0 0

After Ten Years 0 0

Amortized Cost 828 3,257

Estimated fair value

Less Than One Year 265 1,674

After One Through Five Years 566 1,593

After Five Through Ten Years 0 0

After Ten Years 0 0

Total $ 831 $ 3,267

Weighted average yield

Less Than One Year 5.46% 5.78%

After One Through Five Years 5.69% 5.79%

After Five Through Ten Years 0.00% 0.00%

After Ten Years 0.00% 0.00%

Total 5.62% 5.79%

Equity securities

Amortized cost

Less Than One Year $ 7,522 $ 7,522

After One Through Five Years 0 0

After Five Through Ten Years 0 0

After Ten Years 0 0

Amortized Cost 7,522 7,522

Estimated fair value

Less Than One Year 7,260 7,387

After One Through Five Years 0 0

After Five Through Ten Years 0 0

After Ten Years 0 0

Total 7,260 7,387

Deposits

Available-for-sale Securities, Other Disclosure Items

Securities pledged as collateral $ 6,600 $ 10,900

X

- Definition
The average expected life of debt securities which are categorized neither as held-to-maturity nor trading securities.
+ References
No definition available.
+ Details

Name: tcbi_AvailableForSaleSecuritiesAverageExpectedLife

Namespace Prefix: tcbi_

Data Type: xbrli:durationItemType

Balance Type: na

Period Type: duration

X

- Definition
Reflects the calculation as of the balance sheet date of the average interest rate weighted by the amount of debt securities outstanding which are expected to mature after five years and through ten years from the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.
+ References
No definition available.
+ Details

Name: tcbi_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsWeightedAverageInterestRate

Namespace Prefix: tcbi_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Reflects the calculation as of the balance sheet date of the average interest rate weighted by the amount of debt securities outstanding which are expected to mature after one year and through five years from the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.
+ References
No definition available.
+ Details

Name: tcbi_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsWeightedAverageInterestRate

Namespace Prefix: tcbi_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Reflects the calculation as of the balance sheet date of the average interest rate weighted by the amount of debt securities outstanding which are expected to mature after ten years from the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.
+ References
No definition available.
+ Details

Name: tcbi_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsWeightedAverageInterestRate

Namespace Prefix: tcbi_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Reflects the calculation as of the balance sheet date of the average interest rate weighted by the amount of debt securities outstanding which are expected to mature within one year of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.
+ References
No definition available.
+ Details

Name: tcbi_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearWeightedAverageInterestRate

Namespace Prefix: tcbi_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Reflects the calculation as of the balance sheet date of the average interest rate weighted by the amount of debt securities outstanding which are categorized neither as held-to-maturity nor trading securities.
+ References
No definition available.
+ Details

Name: tcbi_AvailableForSaleSecuritiesWeightedAverageInterestRate

Namespace Prefix: tcbi_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Available-for-sale Securities, Debt Maturities, Weighted Average Yield, Fiscal Year Maturity [Abstract] [Abstract]
+ References
No definition available.
+ Details

Name: tcbi_AvailableforsaleSecuritiesDebtMaturitiesWeightedAverageYieldFiscalYearMaturityAbstractAbstract

Namespace Prefix: tcbi_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 25
-Paragraph 1
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=28360136&loc=d3e22054-111558

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 5
-Subparagraph (aa)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 45
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6871852&loc=d3e26610-111562
+ Details

Name: us-gaap_AvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
This item represents the cost of debt and equity securities, which are categorized neither as held-to-maturity nor trading, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments recognized, as defined), and fair value hedge accounting adjustments, if any.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.2)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682
+ Details

Name: us-gaap_AvailableForSaleSecuritiesAmortizedCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after adjustments of available-for-sale debt securities at cost, maturing in the sixth fiscal year through the tenth fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings less cumulative-effect adjustments, and fair value hedge accounting adjustments. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.2)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 3
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563
+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value of available-for-sale debt securities maturing in the sixth fiscal year through the tenth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 320
-Section 50
-Paragraph 3
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62586-112803

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 3
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (d)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563
+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after adjustments of available-for-sale debt securities at cost, maturing in the second fiscal year through the fifth fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings less cumulative-effect adjustments, and fair value hedge accounting adjustments. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.2)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 3
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563
+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value of available-for-sale debt securities maturing in the second fiscal year through the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 320
-Section 50
-Paragraph 3
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62586-112803

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (d)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 3
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563
+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after adjustments of available-for-sale debt securities at cost, maturing after the tenth fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings less cumulative-effect adjustments, and fair value hedge accounting adjustments. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 3
-Subparagraph (d)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.2)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682
+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value of available-for-sale debt securities maturing after the tenth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (d)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 320
-Section 50
-Paragraph 3
-Subparagraph (d)
-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62586-112803

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 3
-Subparagraph (d)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563
+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCostAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesFairValueAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount after adjustments of available-for-sale debt securities at cost, maturing in the next fiscal year following the latest fiscal year. Adjustments include, but are not limited to, accretion, amortization, collection of cash, previous other-than-temporary impairments (OTTI) recognized in earnings less cumulative-effect adjustments, and fair value hedge accounting adjustments. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 3
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.2)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682
+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value of available-for-sale debt securities maturing in the next fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 3
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27198-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 320
-Section 50
-Paragraph 3
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6957658&loc=d3e62586-112803

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (d)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27161-111563
+ Details

Name: us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The fair value of available-for-sale securities that serve as collateral for borrowings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5086-111524
+ Details

Name: us-gaap_AvailableForSaleSecuritiesPledgedAsCollateral

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_AvailableforsaleSecuritiesOtherDisclosureItemsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Percentage of domestic federal statutory tax rate applicable to pretax income (loss).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SAB TOPIC 6.I)
-URI http://asc.fasb.org/extlink&oid=34349781&loc=d3e330036-122817

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 13
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32698-109319
+ Details

Name: us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_MortgageBackedSecuritiesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_USStatesAndPoliticalSubdivisionsMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_EquitySecuritiesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_BankTimeDepositsMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 68 R53.htm IDEA: XBRL DOCUMENT v3.3.1.900

Securities (Details 2) - USD ($)
$ in Thousands
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Fair Value

Less Than 12 Months $ 0 $ 0

12 Months or Longer 6,227 6,349

Total 6,227 6,349

Unrealized Loss

Less Than 12 Months 0 0

12 Months or Longer (273) (151)

Total (273) (151)

Comprehensive income 144,283 136,013 $ 119,407

Net after-tax loss $ 571 $ 339 $ 1,644

X

- Definition
Amount of accumulated unrealized loss on investments in debt and equity securities classified as available-for-sale that have been in a continuous loss position for twelve months or longer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 6
-Subparagraph (a)(2)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27290-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27337-111563
+ Details

Name: us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPosition12MonthsOrLongerAccumulatedLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of accumulated unrealized loss on investments in debt and equity securities classified as available-for-sale in a continuous loss position.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27337-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 6
-Subparagraph (a)(2)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27290-111563
+ Details

Name: us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAccumulatedLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionAggregateLossesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
This item represents the aggregate fair value of investments in debt and equity securities in an unrealized loss position which are categorized neither as held-to-maturity nor trading securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 6
-Subparagraph (a)(1)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27290-111563
+ Details

Name: us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionFairValueAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of accumulated unrealized loss on investments in debt and equity securities classified as available-for-sale that have been in a continuous loss position for less than twelve months.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 6
-Subparagraph (a)(2)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27290-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27337-111563
+ Details

Name: us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThan12MonthsAccumulatedLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
This item represents the aggregate fair value of investments in debt and equity securities categorized neither as held-to-maturity nor trading securities that have been in a continuous unrealized loss position for less than twelve months.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27337-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 6
-Subparagraph (a)(1)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27290-111563
+ Details

Name: us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionLessThanTwelveMonthsFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
This item represents the aggregate fair value of investments in debt and equity securities categorized neither as held-to-maturity nor trading securities that have been in a continuous unrealized loss position for twelve months or longer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 6
-Subparagraph (a)(1)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27290-111563

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27337-111563
+ Details

Name: us-gaap_AvailableForSaleSecuritiesContinuousUnrealizedLossPositionTwelveMonthsOrLongerFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after tax of increase (decrease) in equity from transactions and other events and circumstances from net income and other comprehensive income, attributable to parent entity. Excludes changes in equity resulting from investments by owners and distributions to owners.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Other Comprehensive Income
-URI http://asc.fasb.org/extlink&oid=6519514

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Comprehensive Income
-URI http://asc.fasb.org/extlink&oid=35737396

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e557-108580

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Net Income
-URI http://asc.fasb.org/extlink&oid=6518256
+ Details

Name: us-gaap_ComprehensiveIncomeNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount after tax, before reclassification adjustments, of unrealized holding gain (loss) on available-for-sale securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 10A
-Subparagraph (e)
-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669646-108580

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e637-108580
+ Details

Name: us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

XML 69 R54.htm IDEA: XBRL DOCUMENT v3.3.1.900

Loans and Allowance for Credit Losses (Details) - USD ($)
$ in Thousands

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Loans and Leases Receivable, Net Reported Amount

Commercial $ 6,672,631 $ 5,869,219

Mortgage finance 4,966,276 4,102,125

Construction 1,851,717 1,416,405

Real estate 3,139,197 2,807,127

Consumer 25,323 19,699

Equipment leases 113,996 99,495

Gross loans held for investment 16,769,140 14,314,070

Deferred income (net of direct origination costs) (57,190) (57,058)

Allowance for loan losses (141,111) (100,954) $ (87,604)

Loans held for investment, net $ 16,570,839 $ 14,156,058

X

- Definition
Mortgage Finance
+ References
No definition available.
+ Details

Name: tcbi_MortgageFinance

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allowance of commercial leases and leveraged lease transactions where the entity is long-term creditor. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.7(a)(5))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Leveraged Lease
-URI http://asc.fasb.org/extlink&oid=6516780

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 7
-Subparagraph a, b
-Article 9
+ Details

Name: us-gaap_LeasesReceivableCommercialLeaseFinancing

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-Subparagraph (g)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.7(d))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 30
-Section 50
-Paragraph 2
-Subparagraph (b)(1)(ii)
-URI http://asc.fasb.org/extlink&oid=6379141&loc=d3e15032-111544

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 7
-Subparagraph d
-Article 9

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 6
-Section L
-Subsection 1
+ Details

Name: us-gaap_LoansAndLeasesReceivableAllowance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount before allowance of consumer loans, including, but not limited to, mortgage, home equity, vehicles, credit card, installment, and lease financing. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.7(a),(b))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 7
-Subparagraph a, b
-Article 9
+ Details

Name: us-gaap_LoansAndLeasesReceivableConsumer

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of deferred interest and fee income, unamortized costs incurred to originate loans and leases, unamortized loan commitments and loan syndication fees, and premiums over or discounts from face amounts of acquired loans. Excludes amounts for loans and leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 20
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6378556&loc=d3e10152-111534

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5074-111524

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.7)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 840
-SubTopic 30
-Section 50
-Paragraph 4
-Subparagraph (a)(4)
-URI http://asc.fasb.org/extlink&oid=25496975&loc=d3e45377-112738

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 7
-Article 9
+ Details

Name: us-gaap_LoansAndLeasesReceivableDeferredIncome

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522
+ Details

Name: us-gaap_LoansAndLeasesReceivableGrossCarryingAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after allowance and deduction of deferred interest and fees, unamortized costs and premiums and discounts from face amounts, of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Excludes loans and leases covered under loss sharing agreements and loans held for sale.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.7)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878
+ Details

Name: us-gaap_LoansAndLeasesReceivableNetReportedAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_LoansAndLeasesReceivableNetReportedAmountAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount before allowance of loans issued to commercial and industrial institutions. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes real estate loans and loans covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.7(a)(1))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5066-111524

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 7
-Subparagraph a(1)
-Article 9
+ Details

Name: us-gaap_LoansReceivableCommercialAndIndustrial

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allowance of commercial construction loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5066-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.7(a)(2))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 7
-Subparagraph a
-Article 9
+ Details

Name: us-gaap_LoansReceivableCommercialConstruction

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allowance of commercial loans issued to businesses to acquire, develop, construct, improve, or refinance land or building. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.7(a))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-03.1(c))
-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5066-111524

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 7
-Subparagraph a
-Article 9
+ Details

Name: us-gaap_LoansReceivableCommercialRealEstate

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

XML 70 R55.htm IDEA: XBRL DOCUMENT v3.3.1.900

Loans and Allowance for Credit Losses (Details 1) - USD ($)
$ in Thousands
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Accounts, Notes, Loans and Financing Receivable, Gross, Allowance, and Net [Abstract]

Participating mortgage finance loans $ 454,800 $ 358,300

Interest income recognized on non-accrual loans 1,600 1,700 $ 2,400

Interest lost on non-accrual loans 7,000 2,100 2,500

Non-accrual loans earning on cash basis 884 310

Average impaired loans outstanding 102,343 46,443 $ 50,800

Premium finance loans past due and still accruing 6,600

Loans considered restructured that are not already on nonaccrual 249 1,800

Nonaccrual loans that met the criteria for restructured 24,900 $ 12,100

Decrease in post-restructuring recorded investment 5,500

Loans restructured on non-accrual $ 15,000

X

- Definition
Amount of investment in financing receivables (after modification) modified by troubled debt restructurings during the current year that are on non-accrual.
+ References
No definition available.
+ Details

Name: tcbi_FinancingReceivableModificationsInCurrentYearOnNonaccrual

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Loans considered restructured that are not already on nonaccrual
+ References
No definition available.
+ Details

Name: tcbi_FinancingReceivableModificationsLoansConsideredRestructuredNonaccrualStatus

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Nonaccrual loans that met the criteria for restructured
+ References
No definition available.
+ Details

Name: tcbi_FinancingReceivableModificationsNonAccrualLoansMetCriteriaForRestrucutred

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Increase (decrease) in post-restructuring recorded investment compared to the pre-restructuring recorded investment.
+ References
No definition available.
+ Details

Name: tcbi_FinancingReceivableModificationsPostModificationRecordedInvestmentIncreaseDecrease

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Premiums finance loans that are 90 days or more past due and still accruing.
+ References
No definition available.
+ Details

Name: tcbi_FinancingReceivableRecordedInvestment90DaysPastDueAndStillAccruingPremiumFinanceLoans

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Recorded investment in financing receivables that are on nonaccrual status and are earning interest on a cash basis
+ References
No definition available.
+ Details

Name: tcbi_NonaccrualLoansEarningOnCashBasis

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableGrossAllowanceAndNetAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Average amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 17
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5258-111524
+ Details

Name: us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The amount of interest income on impaired and nonperforming loans that is due to the change in present value attributable to the passage of time.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 19
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5278-111524
+ Details

Name: us-gaap_LoansAndLeasesReceivableImpairedInterestIncomeRecognizedChangeInPresentValueAttributableToPassageOfTime

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Reflects the amount of additional interest income that would have been recorded if impaired or nonperforming loans were instead current, in compliance with their original terms, and outstanding throughout the reporting period or since origination (if held for part of the period).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 40
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=25495931&loc=d3e18794-111554
+ Details

Name: us-gaap_LoansAndLeasesReceivableImpairedInterestLostOnNonaccrualLoans

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The aggregate amount of the participating mortgage obligation at the end of the accounting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 470
-SubTopic 30
-Section 50
-Paragraph 1
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=29639217&loc=d3e10013-112621
+ Details

Name: us-gaap_ParticipatingMortgageLoansMortgageObligationsAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

XML 71 R56.htm IDEA: XBRL DOCUMENT v3.3.1.900

Loans and Allowance for Credit Losses (Details 2) - USD ($)
$ in Thousands

Dec. 31, 2015

Dec. 31, 2014

Financing Receivable, Recorded Investment [Line Items]

Commercial $ 6,672,631 $ 5,869,219

Mortgage finance 4,966,276 4,102,125

Construction 1,851,717 1,416,405

Real estate 3,139,197 2,807,127

Consumer 25,323 19,699

Equipment leases 113,996 99,495

Total 16,769,140 14,314,070

Pass

Financing Receivable, Recorded Investment [Line Items]

Commercial 6,375,332 5,738,474

Mortgage finance 4,966,276 4,102,125

Construction 1,821,678 1,414,671

Real estate 3,085,463 2,785,804

Consumer 25,093 19,579

Equipment leases 103,560 91,044

Total 16,377,402 14,151,697

Special mention

Financing Receivable, Recorded Investment [Line Items]

Commercial 111,911 53,839

Mortgage finance 0 0

Construction 13,090 1,734

Real estate 30,585 8,723

Consumer 3 11

Equipment leases 334 4,363

Total 155,923 68,670

Substandard- accruing

Financing Receivable, Recorded Investment [Line Items]

Commercial 46,731 43,784

Mortgage finance 0 0

Construction 281 0

Real estate 3,837 2,653

Consumer 227 47

Equipment leases 4,951 3,915

Total 56,027 50,399

Non-accrual

Financing Receivable, Recorded Investment [Line Items]

Commercial 138,657 33,122

Mortgage finance 0 0

Construction 16,668 0

Real estate 19,312 9,947

Consumer 0 62

Equipment leases 5,151 173

Total $ 179,788 $ 43,304

X

- Definition
Mortgage Finance
+ References
No definition available.
+ Details

Name: tcbi_MortgageFinance

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_FinancingReceivableRecordedInvestmentLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount before allowance of commercial leases and leveraged lease transactions where the entity is long-term creditor. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.7(a)(5))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Leveraged Lease
-URI http://asc.fasb.org/extlink&oid=6516780

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 7
-Subparagraph a, b
-Article 9
+ Details

Name: us-gaap_LeasesReceivableCommercialLeaseFinancing

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allowance of consumer loans, including, but not limited to, mortgage, home equity, vehicles, credit card, installment, and lease financing. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.7(a),(b))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 7
-Subparagraph a, b
-Article 9
+ Details

Name: us-gaap_LoansAndLeasesReceivableConsumer

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522
+ Details

Name: us-gaap_LoansAndLeasesReceivableGrossCarryingAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allowance of loans issued to commercial and industrial institutions. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes real estate loans and loans covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.7(a)(1))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5066-111524

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 7
-Subparagraph a(1)
-Article 9
+ Details

Name: us-gaap_LoansReceivableCommercialAndIndustrial

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allowance of commercial construction loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5066-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.7(a)(2))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 7
-Subparagraph a
-Article 9
+ Details

Name: us-gaap_LoansReceivableCommercialConstruction

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allowance of commercial loans issued to businesses to acquire, develop, construct, improve, or refinance land or building. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.7(a))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-03.1(c))
-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5066-111524

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 7
-Subparagraph a
-Article 9
+ Details

Name: us-gaap_LoansReceivableCommercialRealEstate

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_InternalCreditAssessmentAxis=us-gaap_PassMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_InternalCreditAssessmentAxis=us-gaap_SpecialMentionMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_InternalCreditAssessmentAxis=us-gaap_SubstandardMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_InternalCreditAssessmentAxis=us-gaap_NonperformingFinancingReceivableMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 72 R57.htm IDEA: XBRL DOCUMENT v3.3.1.900

Loans and Allowance for Credit Losses (Details 3) - USD ($)
$ in Thousands
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Allowance for Loan and Lease Losses [Roll Forward]

Beginning balance $ 100,954 $ 87,604

Provision for loan losses 51,299 19,630

Charge-offs 16,730 10,365

Recoveries 5,588 4,085

Net charge-offs (recoveries) 11,142 6,280

Ending balance 141,111 100,954

Period end amount allocated to:

Loans individually evaluated for impairment 23,467 8,376

Loans collectively evaluated for impairment 117,644 92,578

Commercial

Allowance for Loan and Lease Losses [Roll Forward]

Beginning balance 70,654 39,868

Provision for loan losses 53,102 37,827

Charge-offs 16,254 9,803

Recoveries 4,944 2,762

Net charge-offs (recoveries) 11,310 7,041

Ending balance 112,446 70,654

Period end amount allocated to:

Loans individually evaluated for impairment 19,840 7,705

Loans collectively evaluated for impairment 92,606 62,949

Mortgage Finance

Allowance for Loan and Lease Losses [Roll Forward]

Beginning balance 0 0

Provision for loan losses 0 0

Charge-offs 0 0

Recoveries 0 0

Net charge-offs (recoveries) 0 0

Ending balance 0 0

Period end amount allocated to:

Loans individually evaluated for impairment 0 0

Loans collectively evaluated for impairment 0 0

Construction

Allowance for Loan and Lease Losses [Roll Forward]

Beginning balance 7,935 14,553

Provision for loan losses (1,499) (6,618)

Charge-offs 0 0

Recoveries 400 0

Net charge-offs (recoveries) (400) 0

Ending balance 6,836 7,935

Period end amount allocated to:

Loans individually evaluated for impairment 0 0

Loans collectively evaluated for impairment 6,836 7,935

Real Estate

Allowance for Loan and Lease Losses [Roll Forward]

Beginning balance 15,582 24,210

Provision for loan losses (1,845) (8,411)

Charge-offs 389 296

Recoveries 33 79

Net charge-offs (recoveries) 356 217

Ending balance 13,381 15,582

Period end amount allocated to:

Loans individually evaluated for impairment 1,191 636

Loans collectively evaluated for impairment 12,190 14,946

Consumer

Allowance for Loan and Lease Losses [Roll Forward]

Beginning balance 240 149

Provision for loan losses (13) 195

Charge-offs 62 266

Recoveries 173 162

Net charge-offs (recoveries) (111) 104

Ending balance 338 240

Period end amount allocated to:

Loans individually evaluated for impairment 0 9

Loans collectively evaluated for impairment 338 231

Equipment Leases

Allowance for Loan and Lease Losses [Roll Forward]

Beginning balance 1,141 3,105

Provision for loan losses 2,777 (3,046)

Charge-offs 25 0

Recoveries 38 1,082

Net charge-offs (recoveries) (13) (1,082)

Ending balance 3,931 1,141

Period end amount allocated to:

Loans individually evaluated for impairment 2,436 26

Loans collectively evaluated for impairment 1,495 1,115

Additional Qualitative Reserve

Allowance for Loan and Lease Losses [Roll Forward]

Beginning balance 5,402 5,719

Provision for loan losses (1,223) (317)

Charge-offs 0 0

Recoveries 0 0

Net charge-offs (recoveries) 0 0

Ending balance 4,179 5,402

Period end amount allocated to:

Loans individually evaluated for impairment 0 0

Loans collectively evaluated for impairment $ 4,179 $ 5,402

X

- References
No definition available.
+ Details

Name: tcbi_PeriodEndAmountAllocatedAbstract

Namespace Prefix: tcbi_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.
+ References
No definition available.
+ Details

Name: us-gaap_AllowanceForLoanAndLeaseLossesRollForward

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of loans and leases that have been written off from both loan receivables and allowance reserve for credit loss.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-Subparagraph (c)(3)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.7(d))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 7
-Subparagraph d
-Article 9
+ Details

Name: us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount, after recoveries, of loans and leases that have been written-off.
+ References
No definition available.
+ Details

Name: us-gaap_AllowanceForLoanAndLeaseLossesWriteoffsNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The valuation allowance for financing receivables that are expected to be uncollectible that were collectively evaluated for impairment.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-Subparagraph (g)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524
+ Details

Name: us-gaap_FinancingReceivableAllowanceForCreditLossesCollectivelyEvaluatedForImpairment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of valuation allowance for financing receivables that are expected to be uncollectible that were individually evaluated for impairment.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-Subparagraph (g)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524
+ Details

Name: us-gaap_FinancingReceivableAllowanceForCreditLossesIndividuallyEvaluatedForImpairment1

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of allowance to cover probable credit losses on loans and leases. Includes carryover of or adjustments to the allowance for loan losses in connection with business combinations. Excludes allowance for loans and leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-Subparagraph (g)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.7(d))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 30
-Section 50
-Paragraph 2
-Subparagraph (b)(1)(ii)
-URI http://asc.fasb.org/extlink&oid=6379141&loc=d3e15032-111544

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 7
-Subparagraph d
-Article 9

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 6
-Section L
-Subsection 1
+ Details

Name: us-gaap_LoansAndLeasesReceivableAllowance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of expense related to estimated loss from loan and lease transactions.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.11)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 11
-Article 9
+ Details

Name: us-gaap_ProvisionForLoanAndLeaseLosses

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Total of recoveries of amounts due the Entity that had previously been written off as uncollectible using allowances (the valuation accounts that are netted against the cost of an asset to value it at its carrying value) and total of reestablishments of reserves (liabilities established to represent expected future costs) that had previously been utilized.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e24092-122690

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 09
-Article 12
+ Details

Name: us-gaap_ValuationAllowancesAndReservesRecoveries

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=tcbi_MortgageFinanceMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=tcbi_ConstructionPortfolioMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_FinanceLeasesPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_UnallocatedFinancingReceivablesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 73 R58.htm IDEA: XBRL DOCUMENT v3.3.1.900

Loans and Allowance for Credit Losses (Details 4) - USD ($)
$ in Thousands

Dec. 31, 2015

Dec. 31, 2014

Financing Receivable, Recorded Investment [Line Items]

Loans individually evaluated for impairment $ 183,340 $ 49,280

Loans collectively evaluated for impairment 16,585,800 14,264,790

Gross loans held for investment 16,769,140 14,314,070

Commercial

Financing Receivable, Recorded Investment [Line Items]

Loans individually evaluated for impairment 140,479 35,165

Loans collectively evaluated for impairment 6,532,152 5,834,054

Gross loans held for investment 6,672,631 5,869,219

Mortgage Finance

Financing Receivable, Recorded Investment [Line Items]

Loans individually evaluated for impairment 0 0

Loans collectively evaluated for impairment 4,966,276 4,102,125

Gross loans held for investment 4,966,276 4,102,125

Construction

Financing Receivable, Recorded Investment [Line Items]

Loans individually evaluated for impairment 16,668 0

Loans collectively evaluated for impairment 1,835,049 1,416,405

Gross loans held for investment 1,851,717 1,416,405

Real Estate

Financing Receivable, Recorded Investment [Line Items]

Loans individually evaluated for impairment 21,042 13,880

Loans collectively evaluated for impairment 3,118,155 2,793,247

Gross loans held for investment 3,139,197 2,807,127

Consumer

Financing Receivable, Recorded Investment [Line Items]

Loans individually evaluated for impairment 0 62

Loans collectively evaluated for impairment 25,323 19,637

Gross loans held for investment 25,323 19,699

Equipment Leases

Financing Receivable, Recorded Investment [Line Items]

Loans individually evaluated for impairment 5,151 173

Loans collectively evaluated for impairment 108,845 99,322

Gross loans held for investment $ 113,996 $ 99,495

X

- Definition
The balance of financing receivables that were collectively evaluated for impairment.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-Subparagraph (h)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524
+ Details

Name: us-gaap_FinancingReceivableCollectivelyEvaluatedForImpairment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The balance of financing receivables that were individually evaluated for impairment.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-Subparagraph (h)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524
+ Details

Name: us-gaap_FinancingReceivableIndividuallyEvaluatedForImpairment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_FinancingReceivableRecordedInvestmentLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount before allowance of loans and leases held in portfolio, including but not limited to, commercial and consumer loans. Includes deferred interest and fees, undisbursed portion of loan balance, unamortized costs and premiums and discounts from face amounts. Excludes loans and leases covered under loss sharing agreements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=28367877&loc=d3e4428-111522
+ Details

Name: us-gaap_LoansAndLeasesReceivableGrossCarryingAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=tcbi_MortgageFinanceMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=tcbi_ConstructionPortfolioMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstatePortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_FinanceLeasesPortfolioSegmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 74 R59.htm IDEA: XBRL DOCUMENT v3.3.1.900

Loans and Allowance for Credit Losses (Details 5) - USD ($)
$ in Thousands
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Recorded Investment

With No Related Allowanced Recorded, Recorded Investment $ 83,503 $ 16,864

With An Allowanced Recorded, Recorded Investment 99,837 32,416

Combined, Recorded Investment 183,340 49,280

Unpaid Principal Balance

With No Related Allowanced Recorded, Unpaid Principal Balance 85,935 19,113

With An Allowanced Recorded, Unpaid Principal Balance 104,154 33,416

Combined, Unpaid Principal Balance 190,089 52,529

Related Allowance 23,467 8,376

Average Recorded Investment

With No Related Allowanced Recorded, Average Recorded Investment 59,815 19,802

With An Allowanced Recorded, Average Recorded Investment 42,528 26,641

Combined, Average Recorded Investment 102,343 46,443 $ 50,800

Interest Income Recognized

With No Related Allowanced Recorded, Interest Income Recognized 60 25

With An Allowanced Recorded, Interest Income Recognized 0 0

Combined, Interest Income Recognized 60 25

Commercial | Business loans

Recorded Investment

With No Related Allowanced Recorded, Recorded Investment 11,097 9,608

With An Allowanced Recorded, Recorded Investment 20,983 24,553

Combined, Recorded Investment 32,080 34,161

Unpaid Principal Balance

With No Related Allowanced Recorded, Unpaid Principal Balance 13,529 11,857

With An Allowanced Recorded, Unpaid Principal Balance 25,300 25,553

Combined, Unpaid Principal Balance 38,829 37,410

Related Allowance 5,737 7,433

Average Recorded Investment

With No Related Allowanced Recorded, Average Recorded Investment 17,311 7,334

With An Allowanced Recorded, Average Recorded Investment 31,131 17,705

Combined, Average Recorded Investment 48,442 25,039

Interest Income Recognized

With No Related Allowanced Recorded, Interest Income Recognized 0 0

With An Allowanced Recorded, Interest Income Recognized 0 0

Combined, Interest Income Recognized 0 0

Commercial | Energy loans

Recorded Investment

With No Related Allowanced Recorded, Recorded Investment 37,968 0

With An Allowanced Recorded, Recorded Investment 70,431 1,004

Combined, Recorded Investment 108,399 1,004

Unpaid Principal Balance

With No Related Allowanced Recorded, Unpaid Principal Balance 37,968 0

With An Allowanced Recorded, Unpaid Principal Balance 70,431 1,004

Combined, Unpaid Principal Balance 108,399 1,004

Related Allowance 14,103 272

Average Recorded Investment

With No Related Allowanced Recorded, Average Recorded Investment 21,791 375

With An Allowanced Recorded, Average Recorded Investment 6,641 991

Combined, Average Recorded Investment 28,432 1,366

Interest Income Recognized

With No Related Allowanced Recorded, Interest Income Recognized 36 25

With An Allowanced Recorded, Interest Income Recognized 0 0

Combined, Interest Income Recognized 36 25

Construction | Market risk

Recorded Investment

With No Related Allowanced Recorded, Recorded Investment 16,668 0

With An Allowanced Recorded, Recorded Investment 0 0

Combined, Recorded Investment 16,668 0

Unpaid Principal Balance

With No Related Allowanced Recorded, Unpaid Principal Balance 16,668 0

With An Allowanced Recorded, Unpaid Principal Balance 0 0

Combined, Unpaid Principal Balance 16,668 0

Related Allowance 0 0

Average Recorded Investment

With No Related Allowanced Recorded, Average Recorded Investment 9,764 118

With An Allowanced Recorded, Average Recorded Investment 0 0

Combined, Average Recorded Investment 9,764 118

Interest Income Recognized

With No Related Allowanced Recorded, Interest Income Recognized 0 0

With An Allowanced Recorded, Interest Income Recognized 0 0

Combined, Interest Income Recognized 0 0

Real estate | Market risk

Recorded Investment

With No Related Allowanced Recorded, Recorded Investment 0 3,735

With An Allowanced Recorded, Recorded Investment 5,335 4,203

Combined, Recorded Investment 5,335 7,938

Unpaid Principal Balance

With No Related Allowanced Recorded, Unpaid Principal Balance 0 3,735

With An Allowanced Recorded, Unpaid Principal Balance 5,335 4,203

Combined, Unpaid Principal Balance 5,335 7,938

Related Allowance 1,066 317

Average Recorded Investment

With No Related Allowanced Recorded, Average Recorded Investment 3,352 7,970

With An Allowanced Recorded, Average Recorded Investment 2,558 5,064

Combined, Average Recorded Investment 5,910 13,034

Interest Income Recognized

With No Related Allowanced Recorded, Interest Income Recognized 0 0

With An Allowanced Recorded, Interest Income Recognized 0 0

Combined, Interest Income Recognized 0 0

Real estate | Commercial

Recorded Investment

With No Related Allowanced Recorded, Recorded Investment 15,353 3,521

With An Allowanced Recorded, Recorded Investment 0 526

Combined, Recorded Investment 15,353 4,047

Unpaid Principal Balance

With No Related Allowanced Recorded, Unpaid Principal Balance 15,353 3,521

With An Allowanced Recorded, Unpaid Principal Balance 0 526

Combined, Unpaid Principal Balance 15,353 4,047

Related Allowance 0 79

Average Recorded Investment

With No Related Allowanced Recorded, Average Recorded Investment 4,364 2,795

With An Allowanced Recorded, Average Recorded Investment 306 705

Combined, Average Recorded Investment 4,670 3,500

Interest Income Recognized

With No Related Allowanced Recorded, Interest Income Recognized 24 0

With An Allowanced Recorded, Interest Income Recognized 0 0

Combined, Interest Income Recognized 24 0

Real estate | Secured by 1-4 family

Recorded Investment

With No Related Allowanced Recorded, Recorded Investment 0 0

With An Allowanced Recorded, Recorded Investment 354 1,895

Combined, Recorded Investment 354 1,895

Unpaid Principal Balance

With No Related Allowanced Recorded, Unpaid Principal Balance 0 0

With An Allowanced Recorded, Unpaid Principal Balance 354 1,895

Combined, Unpaid Principal Balance 354 1,895

Related Allowance 125 240

Average Recorded Investment

With No Related Allowanced Recorded, Average Recorded Investment 0 1,210

With An Allowanced Recorded, Average Recorded Investment 1,580 2,119

Combined, Average Recorded Investment 1,580 3,329

Interest Income Recognized

With No Related Allowanced Recorded, Interest Income Recognized 0 0

With An Allowanced Recorded, Interest Income Recognized 0 0

Combined, Interest Income Recognized 0 0

Consumer

Recorded Investment

With No Related Allowanced Recorded, Recorded Investment 0 0

With An Allowanced Recorded, Recorded Investment 0 62

Combined, Recorded Investment 0 62

Unpaid Principal Balance

With No Related Allowanced Recorded, Unpaid Principal Balance 0 0

With An Allowanced Recorded, Unpaid Principal Balance 0 62

Combined, Unpaid Principal Balance 0 62

Related Allowance 0 9

Average Recorded Investment

With No Related Allowanced Recorded, Average Recorded Investment 0 0

With An Allowanced Recorded, Average Recorded Investment 10 16

Combined, Average Recorded Investment 10 16

Interest Income Recognized

With No Related Allowanced Recorded, Interest Income Recognized 0 0

With An Allowanced Recorded, Interest Income Recognized 0 0

Combined, Interest Income Recognized 0 0

Equipment leases

Recorded Investment

With No Related Allowanced Recorded, Recorded Investment 2,417 0

With An Allowanced Recorded, Recorded Investment 2,734 173

Combined, Recorded Investment 5,151 173

Unpaid Principal Balance

With No Related Allowanced Recorded, Unpaid Principal Balance 2,417 0

With An Allowanced Recorded, Unpaid Principal Balance 2,734 173

Combined, Unpaid Principal Balance 5,151 173

Related Allowance 2,436 26

Average Recorded Investment

With No Related Allowanced Recorded, Average Recorded Investment 3,233 0

With An Allowanced Recorded, Average Recorded Investment 302 41

Combined, Average Recorded Investment 3,535 41

Interest Income Recognized

With No Related Allowanced Recorded, Interest Income Recognized 0 0

With An Allowanced Recorded, Interest Income Recognized 0 0

Combined, Interest Income Recognized $ 0 $ 0

X

- Definition
Average amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 17
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5258-111524
+ Details

Name: us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_ImpairedFinancingReceivableAverageRecordedInvestmentAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of interest income recognized on a cash-basis method of accounting that the financing receivables (with related allowance for credit losses and without a related allowance for credit losses) were impaired.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-Subparagraph (c)(3)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524
+ Details

Name: us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethodAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of investment of impaired financing receivables with related allowance for credit losses and without a related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 14A
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953550-111524
+ Details

Name: us-gaap_ImpairedFinancingReceivableRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_ImpairedFinancingReceivableRecordedInvestmentAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of allowance for credit losses related to recorded investment.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-Subparagraph (a)(3)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524
+ Details

Name: us-gaap_ImpairedFinancingReceivableRelatedAllowance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of unpaid principal balance of impaired financing receivables with related allowance for credit losses and without related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-Subparagraph (a)(4)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524
+ Details

Name: us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalanceAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of average investment of impaired financing receivables for which there is no related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 17
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5258-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524
+ Details

Name: us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAverageRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of interest income, recognized on cash basis, on financing receivables, for which there is no related allowance for credit losses and are recognized as impaired.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-Subparagraph (c)(3)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524
+ Details

Name: us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceInterestIncomeCashBasisMethod

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of investment in impaired financing receivables for which there is no related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 14A
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953550-111524
+ Details

Name: us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of unpaid principal balance of impaired financing receivables for which there is no related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-Subparagraph (a)(4)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524
+ Details

Name: us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceUnpaidPrincipalBalance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of average investment of impaired financing receivables for which there is a related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 17
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5258-111524
+ Details

Name: us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAverageRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of interest income on financing receivables, for which there is a related allowance for credit losses, recognized on a cash-basis method of accounting that the financing receivables were impaired.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-Subparagraph (c)(3)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524
+ Details

Name: us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceInterestIncomeCashBasisMethod

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of investment in impaired financing receivables for which there is a related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 14A
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953550-111524
+ Details

Name: us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Unpaid principal balance of impaired financing receivables for which there is a related allowance for credit losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 15
-Subparagraph (a)(4)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5212-111524
+ Details

Name: us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceUnpaidPrincipalBalance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: tcbi_TypeOfFinancingReceivableAxis=tcbi_BusinessLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: tcbi_TypeOfFinancingReceivableAxis=tcbi_EnergyMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateConstructionFinancingReceivableMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: tcbi_TypeOfFinancingReceivableAxis=tcbi_MarketRiskMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateOtherReceivableMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: tcbi_TypeOfFinancingReceivableAxis=tcbi_CommercialMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: tcbi_TypeOfFinancingReceivableAxis=tcbi_SecuredByFamilyMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_FinanceLeasesFinancingReceivableMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 75 R60.htm IDEA: XBRL DOCUMENT v3.3.1.900

Loans and Allowance for Credit Losses (Details 6)
$ in Thousands

Dec. 31, 2015

USD ($)

Financing Receivable, Recorded Investment, Past Due [Line Items]

30-59 Days Past Due $ 37,145

60-89 Days Past Due 3,666

Greater Than 90 Days(1) 7,013

Total Past Due 47,824

Non-accrual 179,788

Current 16,541,528

Total 16,769,140

Commercial | Business loans

Financing Receivable, Recorded Investment, Past Due [Line Items]

30-59 Days Past Due 15,847

60-89 Days Past Due 3,666

Greater Than 90 Days(1) 7,013

Total Past Due 26,526

Non-accrual 30,258

Current 5,577,523

Total 5,634,307

Commercial | Energy loans

Financing Receivable, Recorded Investment, Past Due [Line Items]

30-59 Days Past Due 500

60-89 Days Past Due 0

Greater Than 90 Days(1) 0

Total Past Due 500

Non-accrual 108,399

Current 929,425

Total 1,038,324

Mortgage Finance

Financing Receivable, Recorded Investment, Past Due [Line Items]

30-59 Days Past Due 0

60-89 Days Past Due 0

Greater Than 90 Days(1) 0

Total Past Due 0

Non-accrual 0

Current 4,966,276

Total 4,966,276

Construction | Market risk

Financing Receivable, Recorded Investment, Past Due [Line Items]

30-59 Days Past Due 0

60-89 Days Past Due 0

Greater Than 90 Days(1) 0

Total Past Due 0

Non-accrual 16,668

Current 1,824,936

Total 1,841,604

Construction | Secured by 1-4 family

Financing Receivable, Recorded Investment, Past Due [Line Items]

30-59 Days Past Due 0

60-89 Days Past Due 0

Greater Than 90 Days(1) 0

Total Past Due 0

Non-accrual 0

Current 10,113

Total 10,113

Real estate | Market risk

Financing Receivable, Recorded Investment, Past Due [Line Items]

30-59 Days Past Due 0

60-89 Days Past Due 0

Greater Than 90 Days(1) 0

Total Past Due 0

Non-accrual 3,605

Current 2,402,640

Total 2,406,245

Real estate | Commercial

Financing Receivable, Recorded Investment, Past Due [Line Items]

30-59 Days Past Due 17,729

60-89 Days Past Due 0

Greater Than 90 Days(1) 0

Total Past Due 17,729

Non-accrual 15,353

Current 612,711

Total 645,793

Real estate | Secured by 1-4 family

Financing Receivable, Recorded Investment, Past Due [Line Items]

30-59 Days Past Due 2,319

60-89 Days Past Due 0

Greater Than 90 Days(1) 0

Total Past Due 2,319

Non-accrual 354

Current 84,486

Total 87,159

Consumer

Financing Receivable, Recorded Investment, Past Due [Line Items]

30-59 Days Past Due 659

60-89 Days Past Due 0

Greater Than 90 Days(1) 0

Total Past Due 659

Non-accrual 0

Current 24,664

Total 25,323

Equipment leases

Financing Receivable, Recorded Investment, Past Due [Line Items]

30-59 Days Past Due 91

60-89 Days Past Due 0

Greater Than 90 Days(1) 0

Total Past Due 91

Non-accrual 5,151

Current 108,754

Total $ 113,996

X

- Definition
Reflects the aggregate gross carrying amount of all categories of loans and leases held in portfolio, excluding nonaccrual status loans, prior to deducting deferred income and the allowance for losses on loans and leases.
+ References
No definition available.
+ Details

Name: tcbi_LoansAndLeasesReceivableGrossCarryingAmountExcludingNonaccrual

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Financing receivables that are less than 60 days past due but more than 29 days past due.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7A
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953401-111524
+ Details

Name: us-gaap_FinancingReceivableRecordedInvestment30To59DaysPastDue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Financing receivables that are less than 90 days past due but more than 59 days past due.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7A
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953401-111524
+ Details

Name: us-gaap_FinancingReceivableRecordedInvestment60To89DaysPastDue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Financing receivables that are current.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7A
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953401-111524
+ Details

Name: us-gaap_FinancingReceivableRecordedInvestmentCurrent

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Financing receivables that are equal to or greater than 90 days past due.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7A
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953401-111524
+ Details

Name: us-gaap_FinancingReceivableRecordedInvestmentEqualToGreaterThan90DaysPastDue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Recorded investment in financing receivables that are on nonaccrual status as of the balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7
-Subparagraph (d)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=d3e5111-111524
+ Details

Name: us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Recorded Investment in financing receivables that are past due at the balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 7A
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953401-111524
+ Details

Name: us-gaap_FinancingReceivableRecordedInvestmentPastDue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_FinancingReceivableRecordedInvestmentPastDueLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: tcbi_TypeOfFinancingReceivableAxis=tcbi_BusinessLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: tcbi_TypeOfFinancingReceivableAxis=tcbi_EnergyMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=tcbi_MortgageFinanceMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateConstructionFinancingReceivableMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: tcbi_TypeOfFinancingReceivableAxis=tcbi_MarketRiskMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: tcbi_TypeOfFinancingReceivableAxis=tcbi_SecuredByFamilyMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_CommercialRealEstateOtherReceivableMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: tcbi_TypeOfFinancingReceivableAxis=tcbi_CommercialMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_ConsumerLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableRecordedInvestmentByClassOfFinancingReceivableAxis=us-gaap_FinanceLeasesFinancingReceivableMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 76 R61.htm IDEA: XBRL DOCUMENT v3.3.1.900

Loans and Allowance for Credit Losses (Details 7)
$ in Thousands
12 Months Ended

Dec. 31, 2015

USD ($)

contract

Dec. 31, 2014

USD ($)

contract

Financing Receivable, Modifications [Line Items]

Number of Contracts | contract 5 2

Pre-Restructuring Outstanding Recorded Investment $ 20,459 $ 1,536

Post-Restructuring Outstanding Recorded Investment $ 14,992 $ 1,521

Real estate

Financing Receivable, Modifications [Line Items]

Number of Contracts | contract 1

Pre-Restructuring Outstanding Recorded Investment $ 95

Post-Restructuring Outstanding Recorded Investment $ 80

Commercial

Financing Receivable, Modifications [Line Items]

Number of Contracts | contract 5 1

Pre-Restructuring Outstanding Recorded Investment $ 20,459 $ 1,441

Post-Restructuring Outstanding Recorded Investment $ 14,992 $ 1,441

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_FinancingReceivableModificationsLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Number of financing receivables that have been modified by troubled debt restructurings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 33
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953676-111524
+ Details

Name: us-gaap_FinancingReceivableModificationsNumberOfContracts2

Namespace Prefix: us-gaap_

Data Type: xbrli:integerItemType

Balance Type: na

Period Type: duration

X

- Definition
Post-modification amount of investment in financing receivables modified by troubled debt restructurings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 33
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953676-111524
+ Details

Name: us-gaap_FinancingReceivableModificationsPostModificationRecordedInvestment2

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Pre-modification amount of investment in financing receivables modified by troubled debt restructurings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 33
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953676-111524
+ Details

Name: us-gaap_FinancingReceivableModificationsPreModificationRecordedInvestment2

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Details

Name: us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_CommercialRealEstateOtherReceivableMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=us-gaap_CommercialLoanMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 77 R62.htm IDEA: XBRL DOCUMENT v3.3.1.900

Loans and Allowance for Credit Losses (Details 8) - USD ($)
$ in Thousands

Dec. 31, 2015

Dec. 31, 2014

Financing Receivable, Modifications [Line Items]

Loans modified as restructured loans $ 14,992 $ 1,521

Extended maturity

Financing Receivable, Modifications [Line Items]

Loans modified as restructured loans 0 1,441

Combination of maturity extension and payment schedule adjustment

Financing Receivable, Modifications [Line Items]

Loans modified as restructured loans $ 14,992 $ 80

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_FinancingReceivableModificationsLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The amount of the outstanding recorded investment related to financing receivables that have been modified by troubled debt restructurings.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 40
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=25495931&loc=d3e18845-111554
+ Details

Name: us-gaap_FinancingReceivableModificationsRecordedInvestment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=tcbi_ExtendedMaturityMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancingReceivableTroubledDebtRestructuringAxis=tcbi_CombinationOfRateAndMaturityMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 78 R63.htm IDEA: XBRL DOCUMENT v3.3.1.900

OREO and Valuation Allowance for Losses on OREO (Details) - USD ($)
$ in Thousands
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Other Real Estate [Roll Forward]

Beginning balance $ 568 $ 5,110 $ 15,991

Additions 1,267 851 1,331

Sales (1,557) (5,393) (11,292)

Valuation allowance for OREO 0 0 958

Direct write-downs 0 0 (1,878)

Ending balance $ 278 $ 568 $ 5,110

X

- Definition
Amount of direct write offs in the period to land and buildings obtained through foreclosure proceedings.
+ References
No definition available.
+ Details

Name: tcbi_RealEstateAcquiredThroughForeclosureDirectWriteOffs

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Carrying amount of other real estate not separately disclosed, including, but not limited to, real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. This does not include real estate assets taken in settlement of troubled loans through surrender or foreclosure.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.10(4))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878
+ Details

Name: us-gaap_OtherRealEstate

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Additions of other real estate not separately disclosed, including, but not limited to, real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. This excludes real estate assets taken in settlement of troubled loans through surrender or foreclosure.
+ References
No definition available.
+ Details

Name: us-gaap_OtherRealEstateAdditions

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Disposals of other real estate not separately disclosed, including, but not limited to, real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. This excludes real estate assets taken in settlement of troubled loans through surrender or foreclosure.
+ References
No definition available.
+ Details

Name: us-gaap_OtherRealEstateDisposals

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.
+ References
No definition available.
+ Details

Name: us-gaap_OtherRealEstateRollForward

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of expense recognized in the income statement for a decrease in valuation of real estate owned (REO).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.10(4))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878
+ Details

Name: us-gaap_RealEstateOwnedValuationAllowanceProvision1

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

XML 79 R64.htm IDEA: XBRL DOCUMENT v3.3.1.900

Certain Transfers of Financial Assets (Details) - USD ($)
$ in Thousands

Dec. 31, 2015

Dec. 31, 2014

Transfers and Servicing [Abstract]

Loans Held-for-sale, Unpaid Principal Balance $ 82,853

Loans held for sale, at fair value 86,075 $ 0

Loans Held-for-sale, Fair Value Over/(Under) Unpaid Principal Balance $ 3,222

X

- Definition
Loans Held-for-sale, Fair Value Over (Under) Principal Amount Outstanding
+ References
No definition available.
+ Details

Name: tcbi_LoansHeldforsaleFairValueOverUnderPrincipalAmountOutstanding

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value portion of loans held-for-sale including, but not limited to, mortgage loans and finance receivables.
+ References
No definition available.
+ Details

Name: us-gaap_LoansHeldForSaleFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
This is the principal amount outstanding for loans which are in the process of being securitized as of the date of the statement of financial position (across all types of loans).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 20
-Section 50
-Paragraph 4
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=13989330&loc=d3e107314-111719
+ Details

Name: us-gaap_PrincipalAmountOutstandingOnLoansHeldForSaleOrSecuritization

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_TransfersAndServicingAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 80 R65.htm IDEA: XBRL DOCUMENT v3.3.1.900

Certain Transfers of Financial Assets (Details 1) - Mortgage Servicing Rights
$ in Thousands
12 Months Ended

Dec. 31, 2015

USD ($)

Servicing Asset at Amortized Cost, Balance [Roll Forward]

Balance, beginning of year $ 0

Capitalized servicing rights 437

Amortization (14)

Balance, end of year 423

Fair value $ 423

X

- Definition
Amortized amount of contract to service financial assets under which the benefits of servicing are expected to more than adequately compensate the servicer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 50
-Section 25
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=7524895&loc=d3e120260-111741

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 50
-Section 45
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6469459&loc=d3e122492-111745

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 50
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6469459&loc=d3e122501-111745

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 50
-Section 50
-Paragraph 4
-Subparagraph (a)(1)
-URI http://asc.fasb.org/extlink&oid=7882072&loc=d3e122739-111746
+ Details

Name: us-gaap_ServicingAssetAtAmortizedValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of additions from purchases, assumption or transfer to contract to service financial assets under which the benefits of servicing are expected to more than adequately compensate the servicer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 50
-Section 50
-Paragraph 4
-Subparagraph (a)(2)
-URI http://asc.fasb.org/extlink&oid=7882072&loc=d3e122739-111746
+ Details

Name: us-gaap_ServicingAssetAtAmortizedValueAdditions

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of amortization of contract to service financial assets under which the benefits of servicing are expected to more than adequately compensate the servicer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 50
-Section 50
-Paragraph 4
-Subparagraph (a)(4)
-URI http://asc.fasb.org/extlink&oid=7882072&loc=d3e122739-111746
+ Details

Name: us-gaap_ServicingAssetAtAmortizedValueAmortization1

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.
+ References
No definition available.
+ Details

Name: us-gaap_ServicingAssetAtAmortizedValueBalanceRollForward

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Fair value of contract to service financial assets under which the benefits of servicing are expected to more than adequately compensate the servicer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 50
-Section 50
-Paragraph 4
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=7882072&loc=d3e122739-111746

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 20
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=7516967&loc=d3e66267-113978
+ Details

Name: us-gaap_ServicingAssetAtAmortizedValueFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_FinancialInstrumentAxis=us-gaap_ResidentialMortgageMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 81 R66.htm IDEA: XBRL DOCUMENT v3.3.1.900

Certain Transfers of Financial Assets (Details 2) - Mortgage Servicing Rights
12 Months Ended

Dec. 31, 2015

Fair Value Assumption, Date of Securitization or Asset-backed Financing Arrangement, Transferor's Continuing Involvement, Servicing Assets or Liabilities [Line Items]

Average discount rates (percent) 9.76%

Expected prepayment speeds (percent) 9.14%

Weighted-average life, in years 7 years 3 months 15 days

X

- Definition
Discount rate which is used to value residual cash flows generated by financial assets of the securitization, asset-backed financing arrangement, or similar transfer for initial fair value measurement.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 20
-Section 50
-Paragraph 3
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=13989330&loc=d3e107207-111719
+ Details

Name: us-gaap_AssumptionForFairValueOnSecuritizationDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesDiscountRate

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_AssumptionForFairValueOnSecuritizationDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Estimated rate of prepayment of principal on financial assets for initial fair value measurement.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 20
-Section 50
-Paragraph 3
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=13989330&loc=d3e107207-111719
+ Details

Name: us-gaap_AssumptionForFairValueOnSecuritizationDateOfInterestsContinuedToBeHeldByTransferorServicingAssetsOrLiabilitiesPrepaymentSpeed

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Weighted average life of securitized assets for initial fair value measurement, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 20
-Section 50
-Paragraph 3
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=13989330&loc=d3e107207-111719
+ Details

Name: us-gaap_FairValueAssumptionDateOfSecuritizationOrAssetBackedFinancingArrangementTransferorsContinuingInvolvementServicingAssetsOrLiabilitiesWeightedAverageLife

Namespace Prefix: us-gaap_

Data Type: xbrli:durationItemType

Balance Type: na

Period Type: duration

X

- Details

Name: us-gaap_FinancialInstrumentAxis=us-gaap_ResidentialMortgageMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 82 R67.htm IDEA: XBRL DOCUMENT v3.3.1.900

Certain Transfers of Financial Assets (Details 3)
12 Months Ended

Dec. 31, 2015

USD ($)

loan

Transfers and Servicing [Abstract]

Number of loans in servicing portfolio | loan 168

Principal amount outstanding of loans in servicing portfolio $ 39,000,000

Escrow deposits related to servicing portfolio 240,000

Originated or purchased mortgage loans sold to GSEs 39,100,000

Estimated exposure related to servicing assets $ 20,000

X

- Definition
Servicing Assets, Number of Loans in Portfolio
+ References
No definition available.
+ Details

Name: tcbi_ServicingAssetsNumberofLoansinPortfolio

Namespace Prefix: tcbi_

Data Type: xbrli:integerItemType

Balance Type: na

Period Type: instant

X

- Definition
Principal amount of transferred financial assets in which the transferor has continuing involvement with the assets underlying the transaction. Continuing involvement includes, but is not limited to, servicing, recourse, and restrictions on transferor's interests in transferred financial assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 20
-Section 50
-Paragraph 4
-Subparagraph (a)(1)
-URI http://asc.fasb.org/extlink&oid=13989330&loc=d3e107314-111719
+ Details

Name: us-gaap_ContinuingInvolvementWithTransferredFinancialAssetsPrincipalAmountOutstanding

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The designation of funds furnished by a borrower to a lender to assure future payments of the borrower's real estate taxes and insurance obligations with respect to a mortgaged property. Escrow deposits may be made for a variety of other purposes such as earnest money and contingent payments. This element excludes replacement reserves which are an escrow separately provided for within the US GAAP taxonomy.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.10)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878
+ Details

Name: us-gaap_EscrowDeposit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The carrying amount of mortgage loans on real estate that were sold during the reporting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 205
-SubTopic 10
-Section S99
-Paragraph 6
-Subparagraph (SX 210.5-04.(c) Schedule IV)
-URI http://asc.fasb.org/extlink&oid=27047687&loc=d3e5864-122674

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 948
-SubTopic 310
-Section S99
-Paragraph 1
-Subparagraph (SX 210.12-29.6)
-URI http://asc.fasb.org/extlink&oid=6589523&loc=d3e617274-123014

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 29
-Article 12

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph c
-Subparagraph Schedule IV
-Article 5
+ Details

Name: us-gaap_MortgageLoansOnRealEstateCostOfMortgagesSold

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_TransfersAndServicingAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Reflects the estimated amount of impairment as of the balance sheet date of recognized servicing assets that are being amortized in proportion to and over the period of estimated net servicing income or loss.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 860
-SubTopic 50
-Section 50
-Paragraph 4
-Subparagraph (e)(1)
-URI http://asc.fasb.org/extlink&oid=7882072&loc=d3e122739-111746
+ Details

Name: us-gaap_ValuationAllowanceForImpairmentOfRecognizedServicingAssetsBalance

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

XML 83 R68.htm IDEA: XBRL DOCUMENT v3.3.1.900

Goodwill and Other Intangible Assets (Details) - USD ($)

Dec. 31, 2015

Dec. 31, 2014

May. 31, 2013

Goodwill

Gross $ 15,370,000 $ 15,370,000

Accumulated Amortization (374,000) (374,000)

Net 14,996,000 14,996,000 $ 954,000

Intangible assets—customer relationships and trademarks

Gross 9,104,000 9,104,000

Accumulated Amortization (4,140,000) (3,512,000)

Net 4,964,000 5,592,000

Total goodwill and intangible assets

Gross 24,474,000 24,474,000

Accumulated Amortization (4,514,000) (3,886,000)

Net $ 19,960,000 $ 20,588,000 $ 2,100,000

X

- References
No definition available.
+ Details

Name: tcbi_GoodwillAndIntangibleAssetsAccumulatedAmortization

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Sum of the gross carrying amounts before accumulated amortization and any impairment charges as of the balance sheet date of goodwill and all intangible assets having statutory or estimated useful lives. The aggregate gross carrying amount (including any previously recognized impairment charges) of a major finite-lived intangible asset class. A major class is composed of intangible assets that can be grouped together because they are similar, either by their nature or by their use in the operations of a company.
+ References
No definition available.
+ Details

Name: tcbi_GoodwillAndIntangibleAssetsGross

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Goodwill Impaired and Finite-Lived Intangible Assets, Net [Abstract]
+ References
No definition available.
+ Details

Name: tcbi_GoodwillImpairedandFiniteLivedIntangibleAssetsNetAbstract

Namespace Prefix: tcbi_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Accumulated amount of amortization of assets, excluding financial assets and goodwill, lacking physical substance with a finite life.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 30
-Section 50
-Paragraph 2
-Subparagraph (a)(1)
-URI http://asc.fasb.org/extlink&oid=26713463&loc=d3e16323-109275
+ Details

Name: us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount before amortization of assets, excluding financial assets and goodwill, lacking physical substance with a finite life.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 30
-Section 50
-Paragraph 2
-Subparagraph (a)(1)
-URI http://asc.fasb.org/extlink&oid=26713463&loc=d3e16323-109275
+ Details

Name: us-gaap_FiniteLivedIntangibleAssetsGross

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after amortization of assets, excluding financial assets and goodwill, lacking physical substance with a finite life.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 30
-Section 50
-Paragraph 2
-Subparagraph (a)(1)
-URI http://asc.fasb.org/extlink&oid=26713463&loc=d3e16323-109275
+ Details

Name: us-gaap_FiniteLivedIntangibleAssetsNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_FiniteLivedIntangibleAssetsNetAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount after accumulated impairment loss of an asset representing future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 20
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=35741047&loc=d3e13816-109267

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 20
-Section 45
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6388280&loc=d3e13770-109266
+ Details

Name: us-gaap_Goodwill

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before accumulated impairment loss of an asset representing future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 20
-Section 50
-Paragraph 1
-Subparagraph (a,h)
-URI http://asc.fasb.org/extlink&oid=35741047&loc=d3e13816-109267
+ Details

Name: us-gaap_GoodwillGross

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of accumulated impairment loss for an asset representing future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 20
-Section 50
-Paragraph 1
-Subparagraph (a,h)
-URI http://asc.fasb.org/extlink&oid=35741047&loc=d3e13816-109267
+ Details

Name: us-gaap_GoodwillImpairedAccumulatedImpairmentLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_GoodwillImpairedAccumulatedImpairmentLossAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Carrying amount of finite-lived intangible assets, indefinite-lived intangible assets and goodwill. Goodwill is an asset representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized. Intangible assets are assets, not including financial assets, lacking physical substance.
+ References
No definition available.
+ Details

Name: us-gaap_IntangibleAssetsNetIncludingGoodwill

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

XML 84 R69.htm IDEA: XBRL DOCUMENT v3.3.1.900

Goodwill and Other Intangible Assets (Details 1) - USD ($)
$ in Thousands

Dec. 31, 2015

Dec. 31, 2014

Goodwill and Intangible Assets Disclosure [Abstract]

2016 $ 471

2017 473

2018 473

2019 473

2020 435

Thereafter 2,639

Net $ 4,964 $ 5,592

X

- Definition
Amount of amortization expense for assets, excluding financial assets and goodwill, lacking physical substance with a finite life expected to be recognized after the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
No definition available.
+ Details

Name: us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseAfterYearFive

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of amortization expense for assets, excluding financial assets and goodwill, lacking physical substance with a finite life expected to be recognized during the next fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 30
-Section 50
-Paragraph 2
-Subparagraph (a)(3)
-URI http://asc.fasb.org/extlink&oid=26713463&loc=d3e16323-109275
+ Details

Name: us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseNextTwelveMonths

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of amortization expense for assets, excluding financial assets and goodwill, lacking physical substance with a finite life expected to be recognized during the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 30
-Section 50
-Paragraph 2
-Subparagraph (a)(3)
-URI http://asc.fasb.org/extlink&oid=26713463&loc=d3e16323-109275
+ Details

Name: us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFive

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of amortization expense for assets, excluding financial assets and goodwill, lacking physical substance with a finite life expected to be recognized during the fourth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 30
-Section 50
-Paragraph 2
-Subparagraph (a)(3)
-URI http://asc.fasb.org/extlink&oid=26713463&loc=d3e16323-109275
+ Details

Name: us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearFour

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of amortization expense for assets, excluding financial assets and goodwill, lacking physical substance with a finite life expected to be recognized during the third fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 30
-Section 50
-Paragraph 2
-Subparagraph (a)(3)
-URI http://asc.fasb.org/extlink&oid=26713463&loc=d3e16323-109275
+ Details

Name: us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearThree

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of amortization expense for assets, excluding financial assets and goodwill, lacking physical substance with a finite life expected to be recognized during the second fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 30
-Section 50
-Paragraph 2
-Subparagraph (a)(3)
-URI http://asc.fasb.org/extlink&oid=26713463&loc=d3e16323-109275
+ Details

Name: us-gaap_FiniteLivedIntangibleAssetsAmortizationExpenseYearTwo

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after amortization of assets, excluding financial assets and goodwill, lacking physical substance with a finite life.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 30
-Section 50
-Paragraph 2
-Subparagraph (a)(1)
-URI http://asc.fasb.org/extlink&oid=26713463&loc=d3e16323-109275
+ Details

Name: us-gaap_FiniteLivedIntangibleAssetsNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 85 R70.htm IDEA: XBRL DOCUMENT v3.3.1.900

Goodwill and Other Intangible Assets (Details 2) - USD ($)
1 Months Ended 12 Months Ended

May. 31, 2013

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Finite-Lived Intangible Assets [Line Items]

Total intangible assets $ 2,100,000 $ 19,960,000 $ 20,588,000

Amortization expense related to intangible assets $ 628,000 $ 699,000 $ 660,000

Customer relationships

Finite-Lived Intangible Assets [Line Items]

Intangible assets acquired $ 554,000

Useful life 14 years

Developed technology

Finite-Lived Intangible Assets [Line Items]

Intangible assets acquired $ 457,000

Useful life 7 years

Trade name

Finite-Lived Intangible Assets [Line Items]

Intangible assets acquired $ 98,000

X

- Definition
The aggregate expense charged against earnings to allocate the cost of intangible assets (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 30
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6388964&loc=d3e16225-109274

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 350
-SubTopic 30
-Section 50
-Paragraph 2
-Subparagraph (a)(2)
-URI http://asc.fasb.org/extlink&oid=26713463&loc=d3e16323-109275
+ Details

Name: us-gaap_AmortizationOfIntangibleAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of intangible assets, excluding goodwill, acquired at the acquisition date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 805
-SubTopic 20
-Section 50
-Paragraph 1
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=39739317&loc=d3e4845-128472
+ Details

Name: us-gaap_BusinessCombinationRecognizedIdentifiableAssetsAcquiredAndLiabilitiesAssumedIntangibleAssetsOtherThanGoodwill

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Useful life of finite-lived intangible assets, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.
+ References
No definition available.
+ Details

Name: us-gaap_FiniteLivedIntangibleAssetUsefulLife

Namespace Prefix: us-gaap_

Data Type: xbrli:durationItemType

Balance Type: na

Period Type: duration

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_FiniteLivedIntangibleAssetsLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Carrying amount of finite-lived intangible assets, indefinite-lived intangible assets and goodwill. Goodwill is an asset representing the future economic benefits arising from other assets acquired in a business combination that are not individually identified and separately recognized. Intangible assets are assets, not including financial assets, lacking physical substance.
+ References
No definition available.
+ Details

Name: us-gaap_IntangibleAssetsNetIncludingGoodwill

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_CustomerRelationshipsMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_DevelopedTechnologyRightsMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis=us-gaap_TradeNamesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 86 R71.htm IDEA: XBRL DOCUMENT v3.3.1.900

Premises and Equipment (Details) - USD ($)
$ in Thousands
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Summary of premises and equipment

Premises and equipment, gross $ 47,205 $ 46,757

Accumulated depreciation (23,644) (23,622)

Total premises and equipment, net 23,561 23,135

Depreciation, Depletion and Amortization

Depreciation expense 4,600 4,100 $ 4,000

Premises

Summary of premises and equipment

Premises and equipment, gross 21,020 24,339

Furniture and equipment

Summary of premises and equipment

Premises and equipment, gross $ 26,185 $ 22,418

X

- Definition
Amount of accumulated depreciation, depletion and amortization for physical assets used in the normal conduct of business to produce goods and services.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 360
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.14)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 14
-Article 5
+ Details

Name: us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The amount of expense recognized in the current period that reflects the allocation of the cost of tangible assets over the assets' useful lives. Includes production and non-production related depreciation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585
+ Details

Name: us-gaap_Depreciation

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_DepreciationAndAmortizationAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount before accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 360
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.13)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682
+ Details

Name: us-gaap_PropertyPlantAndEquipmentGross

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after accumulated depreciation, depletion and amortization of physical assets used in the normal conduct of business to produce goods and services and not intended for resale. Examples include, but are not limited to, land, buildings, machinery and equipment, office equipment, and furniture and fixtures.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.13)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 360
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6391035&loc=d3e2868-110229

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 13
-Subparagraph a
-Article 5

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 8
-Article 7
+ Details

Name: us-gaap_PropertyPlantAndEquipmentNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_PropertyPlantAndEquipmentNetByTypeAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Details

Name: us-gaap_PropertyPlantAndEquipmentByTypeAxis=us-gaap_BuildingMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_PropertyPlantAndEquipmentByTypeAxis=tcbi_FurnitueAndEquipmentMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 87 R72.htm IDEA: XBRL DOCUMENT v3.3.1.900

Deposits (Details) - USD ($)
$ in Thousands

Dec. 31, 2015

Dec. 31, 2014

Non-interest bearing deposits

Non-interest-bearing demand deposits $ 6,386,911 $ 5,011,619

Interest-bearing deposits

Transaction 2,006,591 1,292,388

Savings 6,163,622 5,630,253

Time 527,495 426,331

Deposits in foreign branches 0 312,709

Total interest-bearing deposits 8,697,708 7,661,681

Total deposits $ 15,084,619 $ 12,673,300

X

- Definition
The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.12)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 12
-Article 9
+ Details

Name: us-gaap_Deposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of deposits in accounts that offer many of the same services as checking accounts although transactions may be somewhat more limited, share some of the characteristics of a money market fund and are insured by the Federal government, also known as money market accounts.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.12)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878
+ Details

Name: us-gaap_DepositsMoneyMarketDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of interest bearing deposits with no stated maturity, which may include passbook and statement savings accounts and money-market deposit accounts (MMDAs).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.12)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878
+ Details

Name: us-gaap_DepositsSavingsDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The aggregate of all domestic and foreign interest-bearing deposit liabilities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.12)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 12
-Article 9
+ Details

Name: us-gaap_InterestBearingDepositLiabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_InterestBearingDepositLiabilitiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of foreign interest-bearing deposits held by the entity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 235
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-05(a))
-URI http://asc.fasb.org/extlink&oid=6882215&loc=d3e537907-122884

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.12)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 05
-Paragraph a
-Article 9

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 12
-Article 9
+ Details

Name: us-gaap_InterestBearingDepositLiabilitiesForeign

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_NoninterestBearingDepositLiabilitiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of domestic noninterest-bearing deposits held by the entity, which may include demand deposits, checking, brokered and retail deposits.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.12)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 12
-Article 9
+ Details

Name: us-gaap_NoninterestBearingDepositLiabilitiesDomestic

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of deposits that cannot be withdrawn before a set date without penalty or for which notice of withdrawal is required. Time deposits include, but are not limited to, certificates of deposits, individual retirement accounts and open accounts.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.12)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 12
-Article 9
+ Details

Name: us-gaap_TimeDeposits

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

XML 88 R73.htm IDEA: XBRL DOCUMENT v3.3.1.900

Deposits (Details 1)
$ in Thousands

Dec. 31, 2015

USD ($)

Scheduled maturities of interest bearing time deposits

2015 $ 502,113

2016 18,138

2017 1,646

2018 4,001

2019 1,597

2021 and after 0

Interest bearing time deposits, total $ 527,495

X

- Definition
Amount of interest bearing time deposits (including certificates of deposits, individual retirement accounts and open accounts) held by the entity with a remaining term of greater than five years.
+ References
No definition available.
+ Details

Name: tcbi_InterestBearingTimeDepositMaturitiesAfterYearFive

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of interest bearing time deposits (including certificates of deposits, individual retirement accounts and open accounts) held by the entity with a remaining term of greater than four years but five years or less.
+ References
No definition available.
+ Details

Name: tcbi_InterestBearingTimeDepositMaturitiesYearFive

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of interest bearing time deposits (including certificates of deposits, individual retirement accounts and open accounts) held by the entity with a remaining term of greater than three years but four years or less.
+ References
No definition available.
+ Details

Name: tcbi_InterestBearingTimeDepositMaturitiesYearFour

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of interest bearing time deposits (including certificates of deposits, individual retirement accounts and open accounts) held by the entity with a remaining term of twelve months or less.
+ References
No definition available.
+ Details

Name: tcbi_InterestBearingTimeDepositMaturitiesYearOne

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of interest bearing time deposits (including certificates of deposits, individual retirement accounts and open accounts) held by the entity with a remaining term of greater than two years but three years or less.
+ References
No definition available.
+ Details

Name: tcbi_InterestBearingTimeDepositMaturitiesYearThree

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of interest bearing time deposits (including certificates of deposits, individual retirement accounts and open accounts) held by the entity with a remaining term of greater than twelve months, but two years or less.
+ References
No definition available.
+ Details

Name: tcbi_InterestBearingTimeDepositMaturitiesYearTwo

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The aggregate amount of interest bearing time deposits, including certificates of deposits, individual retirement accounts and open accounts.
+ References
No definition available.
+ Details

Name: tcbi_InterestBearingTimeDeposits

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_TimeDepositsByMaturityAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

XML 89 R74.htm IDEA: XBRL DOCUMENT v3.3.1.900

Deposits (Details 2) - USD ($)
$ in Millions

Dec. 31, 2015

Dec. 31, 2014

Deposits [Abstract]

Deposits from related parties $ 16.6 $ 23.5

Interest-bearing time deposits of $250,000 or more $ 274.4 $ 527.6

X

- Definition
The amount of time deposits from related parties, including directors, stockholders, and their related affiliates on terms similar to those from third parties.
+ References
No definition available.
+ Details

Name: tcbi_TimeDepositsFromRelatedParties

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_DepositsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The aggregate amount of domestic and foreign time deposit liabilities (including certificates of deposits, individual retirement accounts and open accounts) in denominations of $100,000 or more.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 405
-Section 50
-Paragraph 1
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6479006&loc=d3e64164-112818

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Industry Guide
-Number 3
-Section V
-Paragraph A
-Subparagraph 4
+ Details

Name: us-gaap_TimeDeposits100000OrMore

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

XML 90 R75.htm IDEA: XBRL DOCUMENT v3.3.1.900

Borrowing Arrangements (Details) - USD ($)
$ in Thousands
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Debt Instrument [Line Items]

Borrowings $ 2,042,457 $ 1,592,087 $ 1,250,036

Maximum outstanding at any month end 2,042,457 1,592,087 1,859,036

Federal funds purchased

Debt Instrument [Line Items]

Federal funds purchased $ 74,164 $ 66,971 $ 148,650

Interest rate 0.55% 0.30% 0.22%

Weighted-average interest rate 0.29% 0.27% 0.27%

Average balance for the year $ 98,800 $ 139,300 $ 254,300

Customer repurchase agreements

Debt Instrument [Line Items]

Customer repurchase agreements $ 68,887 $ 25,705 $ 21,954

Interest rate 0.02% 0.07% 0.06%

Customer repurchase agreements | Collaterized securities

Debt Instrument [Line Items]

Borrowings $ 14,200 $ 21,800 $ 37,700

FHLB borrowings

Debt Instrument [Line Items]

Borrowings $ 1,500,000 $ 1,100,005 $ 840,026

Interest rate 0.31% 0.13% 0.12%

Weighted-average interest rate 0.18% 0.15% 0.14%

Average balance for the year $ 1,200,000 $ 213,400 $ 370,000

Line of credit

Debt Instrument [Line Items]

Borrowings $ 0 $ 0 $ 15,000

Interest rate 0.00% 0.00% 2.65%

Subordinated notes

Debt Instrument [Line Items]

Borrowings $ 286,000 $ 286,000 $ 111,000

Interest rate 5.75% 5.82% 6.50%

Trust preferred subordinated debentures

Debt Instrument [Line Items]

Borrowings $ 113,406 $ 113,406 $ 113,406

Interest rate 2.47% 2.18% 2.17%

X

- Definition
For all debt, including all short-term borrowings, long-term debt, collateralized financing, and capital lease obligations, the average balance outstanding for the year during the period.
+ References
No definition available.
+ Details

Name: tcbi_BorrowedFundsAverageOutstandingAmount

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
For all debt, including all short-term borrowings, long-term debt, collateralized financing, and capital lease obligations, maximum month-end borrowings during the period.
+ References
No definition available.
+ Details

Name: tcbi_BorrowedFundsMaximumMonthEndOutstandingAmount

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Sum of the carrying values as of the balance sheet date of all debt, including all short-term borrowings, long-term debt, and capital lease obligations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.13,16)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-03.16)
-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910
+ Details

Name: us-gaap_DebtAndCapitalLeaseObligations

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Effective interest rate for the funds borrowed under the debt agreement considering interest compounding and original issue discount or premium.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.22(a)(1))
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 30
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6451184&loc=d3e28551-108399

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 22
-Article 5
+ Details

Name: us-gaap_DebtInstrumentInterestRateEffectivePercentage

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_DebtInstrumentLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Weighted average interest rate of debt outstanding.
+ References
No definition available.
+ Details

Name: us-gaap_DebtWeightedAverageInterestRate

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Amount of short term borrowing where a bank borrows, at the federal funds rate, from another bank.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.13(1))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 13
-Subparagraph 1
-Article 9
+ Details

Name: us-gaap_FederalFundsPurchased

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount, after the effects of master netting arrangements, of funds outstanding borrowed in the form of a security repurchase agreement between the entity and another party for the sale and repurchase of identical or substantially the same securities at a date certain for a specified price. Includes liabilities not subject to a master netting arrangement and not elected to be offset.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 20
-Section 50
-Paragraph 3
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=34720828&loc=SL20225862-175312

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(m)(1)(a)(i))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.13(1))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 20
-Section 55
-Paragraph 10
-URI http://asc.fasb.org/extlink&oid=36459792&loc=SL20226008-175313

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 20
-Section 45
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=45278096&loc=d3e9760-107771

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 13
-Subparagraph 1
-Article 9
+ Details

Name: us-gaap_SecuritiesSoldUnderAgreementsToRepurchase

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Details

Name: tcbi_BorrowingsTypeAxis=us-gaap_FederalFundsPurchasedMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: tcbi_BorrowingsTypeAxis=tcbi_CustomerRepurchaseAgreementsMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_UnderlyingAssetClassAxis=us-gaap_CollateralizedSecuritiesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: tcbi_BorrowingsTypeAxis=us-gaap_FederalHomeLoanBankAdvancesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: tcbi_BorrowingsTypeAxis=us-gaap_LineOfCreditMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: tcbi_BorrowingsTypeAxis=us-gaap_SeniorNotesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: tcbi_BorrowingsTypeAxis=us-gaap_SubordinatedDebtMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 91 R76.htm IDEA: XBRL DOCUMENT v3.3.1.900

Borrowing Arrangements (Details 1) - USD ($)
$ in Thousands

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Summary of other borrowing capacities

Total FHLB borrowing capacity $ 4,102,609 $ 3,603,529 $ 701,784

Unused Federal funds lines available from commercial banks 1,231,000 1,186,000 890,000

Unused Federal Reserve Borrowings capacity 2,966,702 2,643,000 2,284,000

FHLB borrowing capacity relating to loans

Summary of other borrowing capacities

Total FHLB borrowing capacity 4,101,396 3,602,994 693,302

Unused Federal funds lines available from commercial banks 130,000 100,000

FHLB borrowing capacity relating to securities

Summary of other borrowing capacities

Total FHLB borrowing capacity $ 1,213 $ 535 $ 8,482

X

- Definition
Federal Reserve Borrowings, Amount Of Available Unused Funds
+ References
No definition available.
+ Details

Name: tcbi_FederalReserveBorrowingsAmountOfAvailableUnusedFunds

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of advances or credit lines available from the Federal Home Loan Bank (FHLB).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.13(3)(a))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.22 (b))
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 470
-Section 45
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6479118&loc=d3e64650-112822

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 22
-Article 5

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 13
-Subparagraph 3(a)
-Article 9
+ Details

Name: us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresAmountOfAvailableUnusedFunds

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of maximum advances or credit lines available from the Federal Home Loan Bank (FHLB).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.13(3)(a))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 470
-Section 45
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6479118&loc=d3e64650-112822

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.22 (b))
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 22
-Subparagraph b
-Article 5

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 13
-Subparagraph 3(a)
-Article 9
+ Details

Name: us-gaap_FederalHomeLoanBankAdvancesGeneralDebtObligationsDisclosuresMaximumAmountAvailable

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Details

Name: tcbi_BorrowingsTypeAxis=us-gaap_LoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: tcbi_BorrowingsTypeAxis=us-gaap_DebtSecuritiesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 92 R77.htm IDEA: XBRL DOCUMENT v3.3.1.900

Borrowing Arrangements (Details 2) - USD ($)
$ in Thousands

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Debt Instrument [Line Items]

Federal funds purchased and repurchase agreements $ 143,051 $ 92,676

Within One Year 843,051

After One But Within Three Years 800,000

After Three But Within Five Years 0

After Five Years 399,406

Total 2,042,457 1,592,087 $ 1,250,036

FHLB borrowings

Debt Instrument [Line Items]

Within One Year 700,000

After One But Within Three Years 800,000

After Three But Within Five Years 0

After Five Years 0

Total 1,500,000

Subordinated notes

Debt Instrument [Line Items]

Within One Year 0

After One But Within Three Years 0

After Three But Within Five Years 0

After Five Years 286,000

Total 286,000 286,000 111,000

Trust preferred subordinated debentures

Debt Instrument [Line Items]

Within One Year 0

After One But Within Three Years 0

After Three But Within Five Years 0

After Five Years 113,406

Total $ 113,406 $ 113,406 $ 113,406

X

- Definition
Amount of borrowed funds maturing in years four and five following the date of the latest balance sheet presented in the financial statements.
+ References
No definition available.
+ Details

Name: tcbi_BorrowedFundsMaturingInYearsFourAndFive

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of borrowed funds maturing in years two and three following the date of the latest balance sheet presented in the financial statements.
+ References
No definition available.
+ Details

Name: tcbi_BorrowedFundsMaturingInYearsTwoAndThree

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of borrowed funds maturities after year five following the date of the latest balance sheet presented in the financial statements.
+ References
No definition available.
+ Details

Name: tcbi_BorrowedFundsMaturitiesRepaymentsOfPrincipalAfterYearFive

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of borrowed funds maturing within the next twelve months following the date of the latest balance sheet presented in the financial statements.
+ References
No definition available.
+ Details

Name: tcbi_BorrowedFundsMaturitiesRepaymentsOfPrincipalInNextTwelveMonths

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Sum of the carrying values as of the balance sheet date of all debt, including all short-term borrowings, long-term debt, and capital lease obligations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.13,16)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-03.16)
-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910
+ Details

Name: us-gaap_DebtAndCapitalLeaseObligations

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_DebtInstrumentLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount after offset of short term borrowing where a bank borrows, at the federal funds rate, from another bank and securities that an entity sells and agrees to repurchase at a specified date for a specified price.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.13(1))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 13
-Subparagraph 1
-Article 9
+ Details

Name: us-gaap_FederalFundsPurchasedAndSecuritiesSoldUnderAgreementsToRepurchase

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Details

Name: tcbi_BorrowingsTypeAxis=tcbi_FederalHomeLoanBankAdvancesExcludeInterestMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: tcbi_BorrowingsTypeAxis=us-gaap_SeniorNotesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: tcbi_BorrowingsTypeAxis=us-gaap_SubordinatedDebtMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 93 R78.htm IDEA: XBRL DOCUMENT v3.3.1.900

Long-Term Debt (Details) - USD ($)
$ in Thousands
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Jan. 31, 2014

Sep. 21, 2012

Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]

Total borrowings $ 2,042,457 $ 1,592,087 $ 1,250,036

Trust preferred securities issued 113,406 113,406 $ 175,000 $ 111,000

Issuance of subordinated notes 0 $ 172,375 $ 0

Stated interest rate 5.25% 6.50%

Trust preferred subordinated debentures

Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]

Total borrowings $ 113,400

X

- Definition
Sum of the carrying values as of the balance sheet date of all debt, including all short-term borrowings, long-term debt, and capital lease obligations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.13,16)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-03.16)
-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910
+ Details

Name: us-gaap_DebtAndCapitalLeaseObligations

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Contractual interest rate for funds borrowed, under the debt agreement.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.22(a)(1))
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 22
-Article 5
+ Details

Name: us-gaap_DebtInstrumentInterestRateStatedPercentage

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
The cash inflow from a borrowing with the highest claim on the assets of the entity in case of bankruptcy or liquidation (with maturities initially due after one year or beyond the operating cycle, if longer).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Financing Activities
-URI http://asc.fasb.org/extlink&oid=6513228

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 14
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3255-108585
+ Details

Name: us-gaap_ProceedsFromIssuanceOfSeniorLongTermDebt

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_SharesSubjectToMandatoryRedemptionBySettlementTermsLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Including the current and noncurrent portions, carrying value as of the balance sheet date of subordinated debt (with initial maturities beyond one year or beyond the operating cycle if longer). Subordinated debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-03.16)
-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.16)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Article 5
-Subsection 19, 20, 22

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 16
-Article 9

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 10
-Section F
+ Details

Name: us-gaap_SubordinatedDebt

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Details

Name: us-gaap_ScheduleOfSharesSubjectToMandatoryRedemptionBySettlementTermsAxis=us-gaap_SubordinatedDebenturesSubjectToMandatoryRedemptionMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 94 R79.htm IDEA: XBRL DOCUMENT v3.3.1.900

Long-Term Debt (Details 1) - USD ($)
$ in Thousands
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Jan. 31, 2014

Sep. 21, 2012

Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]

Trust preferred securities issued $ 113,406 $ 113,406 $ 175,000 $ 111,000

Texas Capital Bancshares Statutory Trust I

Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]

Date issued Nov. 19, 2002

Trust preferred securities issued $ 10,310

Floating or fixed rate securities Floating

Maturity date Nov. 30, 2032

Texas Capital Bancshares Statutory Trust I | LIBOR

Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]

Interest rate on subordinated debentures 3 month LIBOR + 3.35%

Interest rate on subordinated debentures, spread on variable rate 3.35%

Texas Capital Statutory Trust II

Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]

Date issued Apr. 10, 2003

Trust preferred securities issued $ 10,310

Floating or fixed rate securities Floating

Maturity date Apr. 30, 2033

Texas Capital Statutory Trust II | LIBOR

Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]

Interest rate on subordinated debentures 3 month LIBOR + 3.25%

Interest rate on subordinated debentures, spread on variable rate 3.25%

Texas Capital Statutory Trust III

Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]

Date issued Oct. 06, 2005

Trust preferred securities issued $ 25,774

Floating or fixed rate securities Floating

Maturity date Dec. 31, 2035

Texas Capital Statutory Trust III | LIBOR

Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]

Interest rate on subordinated debentures 3 month LIBOR + 1.51%

Interest rate on subordinated debentures, spread on variable rate 1.51%

Texas Capital Statutory Trust IV

Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]

Date issued Apr. 28, 2006

Trust preferred securities issued $ 25,774

Floating or fixed rate securities Floating

Maturity date Jun. 30, 2036

Texas Capital Statutory Trust IV | LIBOR

Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]

Interest rate on subordinated debentures 3 month LIBOR + 1.60%

Interest rate on subordinated debentures, spread on variable rate 1.60%

Texas Capital Statutory Trust V

Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]

Date issued Sep. 29, 2006

Trust preferred securities issued $ 41,238

Floating or fixed rate securities Floating

Maturity date Dec. 31, 2036

Texas Capital Statutory Trust V | LIBOR

Financial Instruments Subject to Mandatory Redemption by Settlement Terms [Line Items]

Interest rate on subordinated debentures 3 month LIBOR + 1.71%

Interest rate on subordinated debentures, spread on variable rate 1.71%

X

- Definition
Percentage points added to the reference rate to compute the variable rate on the debt instrument.
+ References
No definition available.
+ Details

Name: us-gaap_DebtInstrumentBasisSpreadOnVariableRate1

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
The reference rate for the variable rate of the debt instrument, such as LIBOR or the US Treasury rate and the maturity of the reference rate used, such as three months or six months LIBOR.
+ References
No definition available.
+ Details

Name: us-gaap_DebtInstrumentDescriptionOfVariableRateBasis

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Description of the interest rate as being fixed or variable, and, if variable, identification of the index or rate on which the interest rate is based and the number of points or percentage added to that index or rate to set the rate, and other pertinent information, such as frequency of rate resets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.22(a)(1))
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 22
-Article 5
+ Details

Name: us-gaap_DebtInstrumentInterestRateTerms

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Date the debt instrument was issued, in CCYY-MM-DD format.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.22(a))
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 22
-Article 5
+ Details

Name: us-gaap_DebtInstrumentIssuanceDate1

Namespace Prefix: us-gaap_

Data Type: xbrli:dateItemType

Balance Type: na

Period Type: duration

X

- Definition
Latest date the outstanding debt instruments are required to be repaid, in CCYY-MM-DD format.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.22(a)(2))
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 22
-Article 5
+ Details

Name: us-gaap_DebtInstrumentMaturityDateRangeEnd1

Namespace Prefix: us-gaap_

Data Type: xbrli:dateItemType

Balance Type: na

Period Type: duration

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_SharesSubjectToMandatoryRedemptionBySettlementTermsLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Including the current and noncurrent portions, carrying value as of the balance sheet date of subordinated debt (with initial maturities beyond one year or beyond the operating cycle if longer). Subordinated debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-03.16)
-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.16)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Article 5
-Subsection 19, 20, 22

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 16
-Article 9

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 10
-Section F
+ Details

Name: us-gaap_SubordinatedDebt

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Details

Name: tcbi_CapitalSecuritiesByTrustAxis=tcbi_TexasCapitalBancsharesStatutoryIMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_VariableRateAxis=us-gaap_LondonInterbankOfferedRateLIBORMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: tcbi_CapitalSecuritiesByTrustAxis=tcbi_TexasCapitalBancsharesStatutoryIIMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: tcbi_CapitalSecuritiesByTrustAxis=tcbi_TexasCapitalBancsharesStatutoryIIIMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: tcbi_CapitalSecuritiesByTrustAxis=tcbi_TexasCapitalBancsharesStatutoryIVMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: tcbi_CapitalSecuritiesByTrustAxis=tcbi_TexasCapitalBancsharesStatutoryVMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 95 R80.htm IDEA: XBRL DOCUMENT v3.3.1.900

Income Taxes (Details) - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended

Dec. 31, 2015

Sep. 30, 2015

Jun. 30, 2015

Mar. 31, 2015

Dec. 31, 2014

Sep. 30, 2014

Jun. 30, 2014

Mar. 31, 2014

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Income Tax Disclosure [Abstract]

Gross deferred tax asset $ 78,800 $ 65,500 $ 78,800 $ 65,500

Current:

Federal 80,957 77,855 $ 76,478

State 2,245 2,124 1,878

Total 83,202 79,979 78,356

Deferred

Federal (3,561) (3,969) (11,599)

State 0 0 0

Total (3,561) (3,969) (11,599)

Total expense

Federal 77,396 73,886 64,879

State 2,245 2,124 1,878

Total $ 17,713 $ 20,876 $ 21,343 $ 19,709 $ 20,357 $ 20,810 $ 18,754 $ 16,089 $ 79,641 $ 76,010 $ 66,757

X

- Definition
Amount of current federal tax expense (benefit) pertaining to income (loss) from continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(h))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Current Tax Expense (or Benefit)
-URI http://asc.fasb.org/extlink&oid=6509736

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SAB TOPIC 6.I.7)
-URI http://asc.fasb.org/extlink&oid=34349781&loc=d3e330036-122817

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 9
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 6
-Section I
-Paragraph Question 1-7

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph h
-Article 4
+ Details

Name: us-gaap_CurrentFederalTaxExpenseBenefit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of current income tax expense (benefit) pertaining to taxable income (loss) from continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 9
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(h))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Current Tax Expense (or Benefit)
-URI http://asc.fasb.org/extlink&oid=6509736

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SAB TOPIC 6.I.7)
-URI http://asc.fasb.org/extlink&oid=34349781&loc=d3e330036-122817

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph h
-Article 4

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 6
-Section I
-Subsection 7
+ Details

Name: us-gaap_CurrentIncomeTaxExpenseBenefit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_CurrentIncomeTaxExpenseBenefitContinuingOperationsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of current state and local tax expense (benefit) pertaining to income (loss) from continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SAB TOPIC 6.I.7)
-URI http://asc.fasb.org/extlink&oid=34349781&loc=d3e330036-122817

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Current Tax Expense (or Benefit)
-URI http://asc.fasb.org/extlink&oid=6509736

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 9
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(h))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph h
-Article 4

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 6
-Section I
-Subsection 7
+ Details

Name: us-gaap_CurrentStateAndLocalTaxExpenseBenefit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of deferred federal income tax expense (benefit) pertaining to income (loss) from continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(h))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Deferred Tax Expense (or Benefit)
-URI http://asc.fasb.org/extlink&oid=6510177

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SAB TOPIC 6.I.7)
-URI http://asc.fasb.org/extlink&oid=34349781&loc=d3e330036-122817

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 9
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph h
-Article 4

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 6
-Section I
-Subsection 7
+ Details

Name: us-gaap_DeferredFederalIncomeTaxExpenseBenefit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of deferred income tax expense (benefit) pertaining to income (loss) from continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Deferred Tax Expense (or Benefit)
-URI http://asc.fasb.org/extlink&oid=6510177

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 9
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(h))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SAB TOPIC 6.I.7)
-URI http://asc.fasb.org/extlink&oid=34349781&loc=d3e330036-122817

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph h
-Article 4

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 6
-Section I
-Subsection 7
+ Details

Name: us-gaap_DeferredIncomeTaxExpenseBenefit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_DeferredIncomeTaxExpenseBenefitContinuingOperationsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of deferred state and local tax expense (benefit) pertaining to income (loss) from continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Deferred Tax Expense (or Benefit)
-URI http://asc.fasb.org/extlink&oid=6510177

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(h))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SAB TOPIC 6.I.7)
-URI http://asc.fasb.org/extlink&oid=34349781&loc=d3e330036-122817

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 9
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 6
-Section I
-Subsection 7

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph h
-Article 4
+ Details

Name: us-gaap_DeferredStateAndLocalIncomeTaxExpenseBenefit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Deferred Tax Asset
-URI http://asc.fasb.org/extlink&oid=6510090
+ Details

Name: us-gaap_DeferredTaxAssetsGross

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_IncomeTaxDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 9
-Subparagraph (a),(b)
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(h))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Income Tax Expense (or Benefit)
-URI http://asc.fasb.org/extlink&oid=6515339

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph h
-Article 4
+ Details

Name: us-gaap_IncomeTaxExpenseBenefit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_IncomeTaxExpenseBenefitContinuingOperationsByJurisdictionAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The amount of income tax expense or benefit for the period computed by applying the domestic federal statutory tax rates to pretax income from continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 13
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32698-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph h
-Subparagraph 2
-Article 4
+ Details

Name: us-gaap_IncomeTaxReconciliationIncomeTaxExpenseBenefitAtFederalStatutoryIncomeTaxRate

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to state and local income tax expense (benefit).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 13
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32698-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph h
-Subparagraph 1
-Article 4
+ Details

Name: us-gaap_IncomeTaxReconciliationStateAndLocalIncomeTaxes

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

XML 96 R81.htm IDEA: XBRL DOCUMENT v3.3.1.900

Income Taxes (Details 1) - USD ($)
$ in Thousands
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Deferred tax assets:

Allowance for credit losses $ 53,368 $ 38,356

Loan origination fees 13,435 13,651

Stock compensation 5,509 8,263

Mark to market on mortgage loans 184 215

Reserve for potential mortgage loan repurchases 0 20

Non-accrual interest 1,198 1,272

Deferred lease expense 3,779 1,688

Depreciation 0 691

OREO valuation allowance 8 22

Other 1,299 1,298

Total deferred tax assets 78,780 65,476

Deferred tax liabilities:

Loan origination costs (1,726) (1,488)

Leases (10,121) (9,466)

Depreciation (8,296) 0

Unrealized gain on securities (387) (694)

Other (2,468) (1,914)

Total deferred tax liabilities (22,998) (13,562)

Net deferred tax asset $ 55,782 $ 51,914

Effective Income Tax Rate, Continuing Operations, Tax Rate Reconciliation [Abstract]

Tax at U.S. statutory rate 35.00% 35.00% 35.00%

State taxes (percent) 1.00% 1.00% 1.00%

Non-deductible expenses (percent) 1.00% 1.00% 1.00%

Non-taxable income (percent) (1.00%) (1.00%) (1.00%)

Other (percent) (1.00%) (0.00%) (0.00%)

Total (percent) 35.00% 36.00% 36.00%

X

- Definition
Deferred Tax Asset, Other Real Estate Owned, Valuation Allowance
+ References
No definition available.
+ Details

Name: tcbi_DeferredTaxAssetOtherRealEstateOwnedValuationAllowance

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The tax effect as of the balance sheet date of the amount of the estimated future tax effects arising from non-accrual interest.
+ References
No definition available.
+ Details

Name: tcbi_DeferredTaxAssetsNonAccrualInterest

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_ComponentsOfDeferredTaxAssetsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_ComponentsOfDeferredTaxLiabilitiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount after allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards, net of deferred tax liability attributable to taxable temporary differences.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319
+ Details

Name: us-gaap_DeferredTaxAssetsLiabilitiesNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount after allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences and carryforwards.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (b),(c)
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319
+ Details

Name: us-gaap_DeferredTaxAssetsNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences not separately disclosed.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32621-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32632-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 25
-Paragraph 20
-URI http://asc.fasb.org/extlink&oid=29652012&loc=d3e28680-109314
+ Details

Name: us-gaap_DeferredTaxAssetsOther

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from unrealized losses in other comprehensive income.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 20
-Section 45
-Paragraph 11
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=18498875&loc=d3e39076-109324

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32632-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 25
-Paragraph 20
-URI http://asc.fasb.org/extlink&oid=29652012&loc=d3e28680-109314

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32621-109319
+ Details

Name: us-gaap_DeferredTaxAssetsOtherComprehensiveLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from property, plant, and equipment.
+ References
No definition available.
+ Details

Name: us-gaap_DeferredTaxAssetsPropertyPlantAndEquipment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from share-based compensation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32632-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 25
-Paragraph 20
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=29652012&loc=d3e28680-109314

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32621-109319
+ Details

Name: us-gaap_DeferredTaxAssetsTaxDeferredExpenseCompensationAndBenefitsShareBasedCompensationCost

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from deferred rent.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 25
-Paragraph 20
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=29652012&loc=d3e28680-109314

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32621-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32632-109319
+ Details

Name: us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsDeferredRent

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from other reserves and accruals not separately disclosed.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32632-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 25
-Paragraph 20
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=29652012&loc=d3e28680-109314

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32621-109319
+ Details

Name: us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsOther

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from the provision for loan losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 25
-Paragraph 20
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=29652012&loc=d3e28680-109314

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32632-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32621-109319
+ Details

Name: us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsProvisionForLoanLosses

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount before allocation of valuation allowances of deferred tax asset attributable to deductible temporary differences from other reserves not separately disclosed.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32632-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 25
-Paragraph 20
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=29652012&loc=d3e28680-109314

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32621-109319
+ Details

Name: us-gaap_DeferredTaxAssetsTaxDeferredExpenseReservesAndAccrualsReserves

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of deferred tax liability attributable to taxable temporary differences net of deferred tax asset attributable to deductible temporary differences and carryforwards after valuation allowances.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 45
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=37586315&loc=d3e31931-109318

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32537-109319
+ Details

Name: us-gaap_DeferredTaxLiabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of deferred tax liability attributable to taxable temporary differences from deferred financing costs.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 25
-Paragraph 20
-Subparagraph (d)
-URI http://asc.fasb.org/extlink&oid=29652012&loc=d3e28680-109314

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32621-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32632-109319
+ Details

Name: us-gaap_DeferredTaxLiabilitiesDeferredExpenseDeferredFinancingCosts

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of deferred tax liability attributable to taxable temporary differences from leasing arrangements.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32621-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32632-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 25
-Paragraph 20
-URI http://asc.fasb.org/extlink&oid=29652012&loc=d3e28680-109314
+ Details

Name: us-gaap_DeferredTaxLiabilitiesLeasingArrangements

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of deferred tax liability attributable to taxable temporary differences not separately disclosed.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32632-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 25
-Paragraph 20
-URI http://asc.fasb.org/extlink&oid=29652012&loc=d3e28680-109314

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32621-109319
+ Details

Name: us-gaap_DeferredTaxLiabilitiesOther

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of deferred tax liability attributable to taxable temporary differences from unrealized gains in other comprehensive income.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32621-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 20
-Section 45
-Paragraph 11
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=18498875&loc=d3e39076-109324

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32632-109319

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 25
-Paragraph 20
-URI http://asc.fasb.org/extlink&oid=29652012&loc=d3e28680-109314
+ Details

Name: us-gaap_DeferredTaxLiabilitiesOtherComprehensiveIncome

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of deferred tax liability attributable to taxable temporary differences from property, plant, and equipment.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32632-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32621-109319

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 25
-Paragraph 20
-URI http://asc.fasb.org/extlink&oid=29652012&loc=d3e28680-109314
+ Details

Name: us-gaap_DeferredTaxLiabilitiesPropertyPlantAndEquipment

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Percentage of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 13
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32698-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(h)(2))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph h
-Subparagraph 2
-Article 4
+ Details

Name: us-gaap_EffectiveIncomeTaxRateContinuingOperations

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_EffectiveIncomeTaxRateContinuingOperationsTaxRateReconciliationAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Percentage of domestic federal statutory tax rate applicable to pretax income (loss).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SAB TOPIC 6.I)
-URI http://asc.fasb.org/extlink&oid=34349781&loc=d3e330036-122817

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 13
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32698-109319
+ Details

Name: us-gaap_EffectiveIncomeTaxRateReconciliationAtFederalStatutoryIncomeTaxRate

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Percentage of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to nondeductible expenses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 13
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32698-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SAB TOPIC 6.I)
-URI http://asc.fasb.org/extlink&oid=34349781&loc=d3e330036-122817

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319
+ Details

Name: us-gaap_EffectiveIncomeTaxRateReconciliationNondeductibleExpense

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Percentage of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to other adjustments.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SAB TOPIC 6.I)
-URI http://asc.fasb.org/extlink&oid=34349781&loc=d3e330036-122817

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 13
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32698-109319
+ Details

Name: us-gaap_EffectiveIncomeTaxRateReconciliationOtherAdjustments

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Percentage of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations applicable to state and local income tax expense (benefit), net of federal tax expense (benefit).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SAB TOPIC 6.I)
-URI http://asc.fasb.org/extlink&oid=34349781&loc=d3e330036-122817

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 13
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32698-109319
+ Details

Name: us-gaap_EffectiveIncomeTaxRateReconciliationStateAndLocalIncomeTaxes

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Percentage of the difference between reported income tax expense (benefit) and expected income tax expense (benefit) computed by applying the domestic federal statutory income tax rates to pretax income (loss) from continuing operations attributable to income (loss) exempt from income taxes.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 12
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32687-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SAB TOPIC 6.I)
-URI http://asc.fasb.org/extlink&oid=34349781&loc=d3e330036-122817

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 13
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32698-109319
+ Details

Name: us-gaap_EffectiveIncomeTaxRateReconciliationTaxExemptIncome

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

XML 97 R82.htm IDEA: XBRL DOCUMENT v3.3.1.900

Employee Benefits (Details) - USD ($)
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

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

Employer contribution $ 6,300,000 $ 4,500,000 $ 3,700,000

Eligible employee contribution, minimum (in percent) 1.00%

Eligible employee contribution, maximum (in percent) 10.00%

Number of shares authorized under the plan 2,550,000

Number of shares available to be issued under the plan 2,455,048

Compensation cost for all share-based arrangements, net of taxes $ 3,000,000 3,000,000 2,700,000

Excess tax benefits from stock-based compensation arrangements $ 1,499,000 $ 2,929,000 $ 1,200,000

2006 ESPP

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

Number of shares authorized under the plan 400,000

Number of shares purchased under the plan 113,910 102,836 93,388

RSUs

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

Compensation expense $ 4,200,000 $ 4,100,000 $ 3,600,000

Weighted average remaining contractual life of SARs currently outstanding (in years) 8 years 3 months 13 days

Weighted average period over which unrecognized expense expected to be recognized (in years) 3 years 3 months

Unrecognized stock-based compensation expense $ 13,000,000

SARs

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

Compensation expense $ 367,000 $ 530,000 $ 564,000

Weighted average remaining contractual life of SARs currently outstanding (in years) 3 years 28 days 3 years 10 months 6 days 4 years 8 months 5 days

Weighted average period over which unrecognized expense expected to be recognized (in years) 2 years 4 months 7 days

Unrecognized stock-based compensation expense $ 699,000

Cash based performance

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

Number of cash-based performance units issued in period 146,153 171,808 173,035

Number of cash-based performance units outstanding 475,441

Cash-based compensation expense $ 7,700,000 $ 9,900,000 $ 17,300,000

Cash-based compensation expense, net of taxes $ 5,000,000 $ 6,500,000 $ 11,200,000

Service based

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

Number of cash-based performance units outstanding 385,172

Vesting period (in years) 5 years 5 years 5 years

Service and performance

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

Weighted average remaining contractual life of SARs currently outstanding (in years) 8 years 10 days

Number of cash-based performance units outstanding 90,269

Minimum | RSUs

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

Vesting period (in years) 4 years 4 years 4 years

Minimum | Service and performance

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

Vesting percentage 25.00%

Maximum | RSUs

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

Vesting period (in years) 5 years 5 years 5 years

Maximum | Service and performance

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

Vesting percentage 50.00%

X

- Definition
Represents the expense recognized during the period arising from cash-based compensation arrangements with employees, directors and certain consultants qualifying for treatment as employees.
+ References
No definition available.
+ Details

Name: tcbi_AllocatedCashBasedCompensationExpense

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Represents the expense recognized during the period arising from cash-based compensation arrangements with employees, directors and certain consultants qualifying for treatment as employees, net of taxes
+ References
No definition available.
+ Details

Name: tcbi_AllocatedCashBasedCompensationExpenseNetOfTax

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The number of cash-based performance units outstanding during the reporting period under the plan.
+ References
No definition available.
+ Details

Name: tcbi_ShareBasedCompensationArrangementByCashBasedPaymentAwardSharesOutstandingInPeriod

Namespace Prefix: tcbi_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
The smallest percentage of annual salary that an employee is permitted to utilize with respect to the plan.
+ References
No definition available.
+ Details

Name: tcbi_ShareBasedCompensationArrangementByShareBasedPaymentAwardMinimumEmployeeSubscriptionRate

Namespace Prefix: tcbi_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Represents the expense recognized during the period arising from equity-based compensation arrangements (for example, shares of stock, unit, stock options or other equity instruments) with employees, directors and certain consultants qualifying for treatment as employees.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SAB TOPIC 14.F)
-URI http://asc.fasb.org/extlink&oid=27013229&loc=d3e301413-122809

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5047-113901

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (h)(1)(i)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 14
-Section F
+ Details

Name: us-gaap_AllocatedShareBasedCompensationExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The amount of expense, net of income tax, recognized during the period arising from equity-based compensation arrangements (for example, shares of stock, unit, stock options or other equity instruments) with employees, directors and certain consultants qualifying for treatment as employees.
+ References
No definition available.
+ Details

Name: us-gaap_AllocatedShareBasedCompensationExpenseNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The amount of payment into the fund established for purposes of making future disbursements to the individual in accordance with the terms and understanding of the deferred compensation arrangement.
+ References
No definition available.
+ Details

Name: us-gaap_DeferredCompensationArrangementWithIndividualEmployerContribution

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Unrecognized cost of unvested share-based compensation awards.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (i)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Weighted average period over which unrecognized compensation is expected to be recognized for equity-based compensation plans, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (i)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognizedPeriodForRecognition1

Namespace Prefix: us-gaap_

Data Type: xbrli:durationItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of cash inflow from realized tax benefit related to deductible compensation cost reported on the entity's tax return for equity instruments in excess of the compensation cost for those instruments recognized for financial reporting purposes.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 20
-Section 55
-Paragraph 24
-URI http://asc.fasb.org/extlink&oid=32706628&loc=d3e11374-113907
+ Details

Name: us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Period which an employee's right to exercise an award is no longer contingent on satisfaction of either a service condition, market condition or a performance condition, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (a)(1)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1

Namespace Prefix: us-gaap_

Data Type: xbrli:durationItemType

Balance Type: na

Period Type: duration

X

- Definition
Weighted average remaining contractual term for equity-based awards excluding options, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (e)(1)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms

Namespace Prefix: us-gaap_

Data Type: xbrli:durationItemType

Balance Type: na

Period Type: duration

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The highest percentage of annual salary that an employee is permitted to utilize with respect to the plan.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardMaximumEmployeeSubscriptionRate

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
The maximum number of shares (or other type of equity) originally approved (usually by shareholders and board of directors), net of any subsequent amendments and adjustments, for awards under the equity-based compensation plan. As stock or unit options and equity instruments other than options are awarded to participants, the shares or units remain authorized and become reserved for issuance under outstanding awards (not necessarily vested).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (a)(3)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAuthorized

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
The difference between the maximum number of shares (or other type of equity) authorized for issuance under the plan (including the effects of amendments and adjustments), and the sum of: 1) the number of shares (or other type of equity) already issued upon exercise of options or other equity-based awards under the plan; and 2) shares (or other type of equity) reserved for issuance on granting of outstanding awards, net of cancellations and forfeitures, if applicable.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardNumberOfSharesAvailableForGrant

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Number of share instruments newly issued under a share-based compensation plan.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesIssuedInPeriod

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
The number of shares purchased on the open market during the period for issuance to employees under the plan.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5047-113901

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardSharesPurchasedForAward

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
Percentage of vesting of share-based compensation awards.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (a)(1)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardAwardVestingRightsPercentage

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Details

Name: us-gaap_PlanNameAxis=us-gaap_EmployeeStockMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AwardTypeAxis=us-gaap_RestrictedStockUnitsRSUMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AwardTypeAxis=us-gaap_StockAppreciationRightsSARSMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AwardTypeAxis=tcbi_CashBasedPerformanceMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AwardTypeAxis=tcbi_ServiceBasedMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AwardTypeAxis=tcbi_ServiceAndPerformanceMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_RangeAxis=us-gaap_MinimumMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_RangeAxis=us-gaap_MaximumMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 98 R83.htm IDEA: XBRL DOCUMENT v3.3.1.900

Employee Benefits (Details 1)
12 Months Ended

Dec. 31, 2014

Dec. 31, 2013

Compensation Related Costs [Abstract]

Risk-free rate 1.46% 1.17%

Market price volatility factor 40.20% 40.90%

Weighted-average expected life of options 5 years 5 years

X

- References
No definition available.
+ Details

Name: us-gaap_CompensationRelatedCostsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The estimated measure of the percentage by which a share price is expected to fluctuate during a period. Volatility also may be defined as a probability-weighted measure of the dispersion of returns about the mean. The volatility of a share price is the standard deviation of the continuously compounded rates of return on the share over a specified period. That is the same as the standard deviation of the differences in the natural logarithms of the stock prices plus dividends, if any, over the period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (f)(2)(ii)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsExpectedVolatilityRate

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
The risk-free interest rate assumption that is used in valuing an option on its own shares.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (f)(2)(iv)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardFairValueAssumptionsRiskFreeInterestRate

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
Expected term of share-based compensation awards, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SAB TOPIC 14.D.2)
-URI http://asc.fasb.org/extlink&oid=27013229&loc=d3e301413-122809

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (f)(2)(i)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 14
-Section D
-Subsection 2
+ Details

Name: us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardFairValueAssumptionsExpectedTerm1

Namespace Prefix: us-gaap_

Data Type: xbrli:durationItemType

Balance Type: na

Period Type: duration

XML 99 R84.htm IDEA: XBRL DOCUMENT v3.3.1.900

Employee Benefits (Details 2) - Stock Options - USD ($)
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Options

Options outstanding at beginning of year 25,000 54,900 174,062

Options exercised (21,000) (28,400) (119,162)

Options forfeited (4,000) (1,500) 0

Options outstanding at year-end 0 25,000 54,900

Weighted Average Exercise Price

Options outstanding at beginning of year, weighted average exercise price $ 20.60 $ 18.65 $ 13.51

Options exercised, weighted average exercise price 20.05 17.34 11.14

Options forfeited, weighted average exercise price 23.50 14.91 0.00

Options outstanding at year-end, weighted average exercise price $ 0.00 $ 20.60 $ 18.65

Share-based Compensation Arrangement by Share-based Payment Award, Options, Vested and Expected to Vest [Abstract]

Options vested and exercisable at year-end 0 25,000 54,900

Options vested and exercisable at year-end, weighted average exercise price $ 0.00 $ 20.60 $ 18.65

Intrinsic value of options vested and exercisable $ 0 $ 843,190 $ 2,391,014

Weighted average remaining contractual life of options vested and exercisable (in years) 1 day 3 months 18 days 11 months 19 days

Intrinsic value of options exercised $ 565,000 $ 1,193,070 $ 4,176,787

Weighted average remaining contractual life of options currently outstanding (in years) 1 day 3 months 18 days 11 months 19 days

X

- Definition
Amount of accumulated difference between fair value of underlying shares on dates of exercise and exercise price on options exercised (or share units converted) into shares.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (d)(2)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsExercisesInPeriodTotalIntrinsicValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The number of shares under options that were cancelled during the reporting period as a result of occurrence of a terminating event specified in contractual agreements pertaining to the stock option plan.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (c)(1)(iv)(3)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsForfeituresInPeriod

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
Number of options outstanding, including both vested and non-vested options.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (c)(1)(i)-(ii)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingNumber

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.
+ References
No definition available.
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingRollForward

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Weighted average price at which grantees can acquire the shares reserved for issuance under the stock option plan.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (c)(1)(i)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePrice

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsOutstandingWeightedAverageExercisePriceRollforward

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of difference between fair value of the underlying shares reserved for issuance and exercise price of fully vested and expected to vest options that are exercisable.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (e)(2)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableAggregateIntrinsicValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
The number of exercisable share options (fully vested and expected to vest) that may be converted as of the balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (e)(2)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableNumber

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
As of the balance sheet date, the weighted-average exercise price (at which grantees can acquire the shares reserved for issuance) for exercisable stock options that are fully vested or expected to vest.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (e)(2)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageExercisePrice

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
Weighted average price at which option holders acquired shares when converting their stock options into shares.
+ References
No definition available.
+ Details

Name: us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsExercisesInPeriodWeightedAverageExercisePrice

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- Definition
Weighted average price at which grantees could have acquired the underlying shares with respect to stock options that were terminated.
+ References
No definition available.
+ Details

Name: us-gaap_ShareBasedCompensationArrangementsByShareBasedPaymentAwardOptionsForfeituresInPeriodWeightedAverageExercisePrice

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- Definition
Weighted average remaining contractual term for option awards outstanding, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (e)(1)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsOutstandingWeightedAverageRemainingContractualTerm2

Namespace Prefix: us-gaap_

Data Type: xbrli:durationItemType

Balance Type: na

Period Type: duration

X

- Definition
Weighted average remaining contractual term for fully vested and expected to vest options that are exercisable or convertible, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (e)(2)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_SharebasedCompensationArrangementBySharebasedPaymentAwardOptionsVestedAndExpectedToVestExercisableWeightedAverageRemainingContractualTerm1

Namespace Prefix: us-gaap_

Data Type: xbrli:durationItemType

Balance Type: na

Period Type: duration

X

- Definition
Number of share options (or share units) exercised during the current period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.3-04)
-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (c)(1)(iv)(2)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.28,29)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 29, 30
-Article 5

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Article 3
+ Details

Name: us-gaap_StockIssuedDuringPeriodSharesStockOptionsExercised

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Details

Name: us-gaap_AwardTypeAxis=us-gaap_EmployeeStockOptionMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 100 R85.htm IDEA: XBRL DOCUMENT v3.3.1.900

Employee Benefits (Details 3) - SARs - USD ($)
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

SARs

SARs outstanding at beginning of year 445,009 537,149 640,220

SARs granted 0 8,000 53,500

SARs exercised (84,465) (92,640) (134,271)

SARs forfeited 0 (7,500) (22,300)

SARs outstanding at year-end 360,544 445,009 537,149

Weighted Average Exercise Price

SARs outstanding at beginning of year, weighted average exercise price $ 24.83 $ 23.68 $ 20.90

SARs granted, weighted average exercise price 0.00 62.02 43.73

SARs exercised, weighted average exercise price 20.97 20.87 19.21

SARs forfeited, weighted average exercise price 0.00 31.16 18.99

SARs outstanding at year end, weighted average exercise price $ 25.73 $ 24.83 $ 23.68

Additional Information:

SARs vested and exercisable at year-end 307,144 355,509 384,974

SARs vested and exercisable at year end, weighted average exercise price $ 22.49 $ 21.16 $ 20.64

Weighted average remaining contractual life of SARs vested 2 years 4 months 8 days 2 years 10 months 21 days 3 years 5 months 16 days

Compensation expense $ 367,000 $ 530,000 $ 564,000

Weighted average fair value of SARs granted $ 0.00 $ 23.02 $ 16.26

Fair value of shares vested during the year $ 436,000 $ 580,345 $ 566,341

Weighted average remaining contractual life of SARs currently outstanding (in years) 3 years 28 days 3 years 10 months 6 days 4 years 8 months 5 days

Intrinsic value of SARs exercised $ 8,291,000 $ 11,794,000 $ 16,000,000

X

- Definition
The number of exercises during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).
+ References
No definition available.
+ Details

Name: tcbi_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExercisesInPeriod

Namespace Prefix: tcbi_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
The weighted average price at which option holders acquired shares when converting their equity instrument other than stock options into shares under the plan during the reporting period.
+ References
No definition available.
+ Details

Name: tcbi_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsExercisesInPeriodWeightedAverageExercisePrice

Namespace Prefix: tcbi_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
The weighted average price at which grantees could have acquired the underlying shares with respect to equity instruments other than stock options that were terminated during the reporting period due to noncompliance with plan terms during the reporting period.
+ References
No definition available.
+ Details

Name: tcbi_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriodWeightedAverageExercisePrice

Namespace Prefix: tcbi_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
The weighted average price of the grants made during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).
+ References
No definition available.
+ Details

Name: tcbi_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageExercisePrice

Namespace Prefix: tcbi_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
The weighted average price as of the beginning of the year at which grantees can acquire the shares reserved for issuance under the equity instruments other than stock option plan.
+ References
No definition available.
+ Details

Name: tcbi_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageExercisePrice

Namespace Prefix: tcbi_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
The number of exercisable equity instruments other than share options (fully vested and expected to vest) that may be converted as of the balance sheet date.
+ References
No definition available.
+ Details

Name: tcbi_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedAndExpectedToVestExercisableNumber

Namespace Prefix: tcbi_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
As of the balance sheet date, the weighted-average exercise price (at which grantees can acquire the shares reserved for issuance) for exercisable equity instruments other than stock options that are fully vested or expected to vest.
+ References
No definition available.
+ Details

Name: tcbi_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedAndExpectedToVestExercisableWeightedAverageExercisePrice

Namespace Prefix: tcbi_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
The weighted-average period between the balance sheet date and expiration date for fully vested and expected to vest equity instruments other than options that are exercisable under the plan, which may be expressed in a decimal value for number of years.
+ References
No definition available.
+ Details

Name: tcbi_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedAndExpectedToVestExercisableWeightedAverageRemainingContractualTerm

Namespace Prefix: tcbi_

Data Type: xbrli:durationItemType

Balance Type: na

Period Type: duration

X

- Definition
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Aggregate Intrinsic Value, Exercised
+ References
No definition available.
+ Details

Name: tcbi_SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsAggregateIntrinsicValueExercised

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Outstanding, Weighted Average Exercise Price [Roll Forward]
+ References
No definition available.
+ Details

Name: tcbi_SharebasedCompensationArrangementbySharebasedPaymentAwardEquityInstrumentsOtherthanOptionsOutstandingWeightedAverageExercisePriceRollForward

Namespace Prefix: tcbi_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Represents the expense recognized during the period arising from equity-based compensation arrangements (for example, shares of stock, unit, stock options or other equity instruments) with employees, directors and certain consultants qualifying for treatment as employees.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SAB TOPIC 14.F)
-URI http://asc.fasb.org/extlink&oid=27013229&loc=d3e301413-122809

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5047-113901

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (h)(1)(i)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 14
-Section F
+ Details

Name: us-gaap_AllocatedShareBasedCompensationExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsAdditionalDisclosuresAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The number of equity-based payment instruments, excluding stock (or unit) options, that were forfeited during the reporting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (c)(1)(iv)(3)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
The number of grants made during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (c)(2)(iii)(1)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
The weighted average fair value at grant date for nonvested equity-based awards issued during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (c)(2)(iii)(1)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- Definition
The number of non-vested equity-based payment instruments, excluding stock (or unit) options, that validly exist and are outstanding as of the balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (c)(2)(i)-(ii)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.
+ References
No definition available.
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Weighted average remaining contractual term for equity-based awards excluding options, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (e)(1)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsOutstandingWeightedAverageRemainingContractualTerms

Namespace Prefix: us-gaap_

Data Type: xbrli:durationItemType

Balance Type: na

Period Type: duration

X

- Definition
Fair value of share-based awards for which the grantee gained the right by satisfying service and performance requirements, to receive or retain shares or units, other instruments, or cash.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (d)(2)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodTotalFairValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Details

Name: us-gaap_AwardTypeAxis=us-gaap_StockAppreciationRightsSARSMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 101 R86.htm IDEA: XBRL DOCUMENT v3.3.1.900

Employee Benefits (Details 4) - $ / shares
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Service based

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

Vesting period (in years) 5 years 5 years 5 years

RSUs

Number of Shares

SARs outstanding at beginning of year 289,165 403,739 411,919

SARs granted 144,952 64,050 163,500

Vested and issued (95,943) (161,249) (151,480)

SARs forfeited (12,200) (17,375) (20,200)

SARs outstanding at year-end 325,974 289,165 403,739

Weighted- Average Grant- Date Fair Value

Balance at beginning of year, weighted average grant-date fair value $ 42.93 $ 33.72 $ 23.80

Granted, weighted average grant-date fair value 51.96 57.84 45.35

vested and issued, weighted average grant-date fair value 38.05 26.40 20.47

Forfeited, weighted average grant-date fair value 43.89 37.40 24.96

Balance at year end, weighted average grant-date fair value $ 48.42 $ 42.93 $ 33.72

Minimum | RSUs

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

Vesting period (in years) 4 years 4 years 4 years

X

- Definition
Period which an employee's right to exercise an award is no longer contingent on satisfaction of either a service condition, market condition or a performance condition, in 'PnYnMnDTnHnMnS' format, for example, 'P1Y5M13D' represents the reported fact of one year, five months, and thirteen days.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (a)(1)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod1

Namespace Prefix: us-gaap_

Data Type: xbrli:durationItemType

Balance Type: na

Period Type: duration

X

- Definition
The number of equity-based payment instruments, excluding stock (or unit) options, that were forfeited during the reporting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (c)(1)(iv)(3)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeitedInPeriod

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
Weighted average fair value as of the grant date of equity-based award plans other than stock (unit) option plans that were not exercised or put into effect as a result of the occurrence of a terminating event.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (c)(2)(iii)(3)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsForfeituresWeightedAverageGrantDateFairValue

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- Definition
The number of grants made during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (c)(2)(iii)(1)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
The weighted average fair value at grant date for nonvested equity-based awards issued during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (c)(2)(iii)(1)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriodWeightedAverageGrantDateFairValue

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- Definition
The number of non-vested equity-based payment instruments, excluding stock (or unit) options, that validly exist and are outstanding as of the balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (c)(2)(i)-(ii)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedNumber

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.
+ References
No definition available.
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedRollForward

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The weighted average fair value of nonvested awards on equity-based plans excluding option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, revenue or profit achievement stock award plan) for which the employer is contingently obligated to issue equity instruments or transfer assets to an employee who has not yet satisfied service or performance criteria necessary to gain title to proceeds from the sale of the award or underlying shares or units.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (c)(2)(i)-(ii)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValue

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
A roll forward is a reconciliation of a concept from the beginning of a period to the end of a period.
+ References
No definition available.
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsNonvestedWeightedAverageGrantDateFairValueRollForward

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The number of equity-based payment instruments, excluding stock (or unit) options, that vested during the reporting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (c)(2)(iii)(2)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriod

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
The weighted average fair value as of grant date pertaining to an equity-based award plan other than a stock (or unit) option plan for which the grantee gained the right during the reporting period, by satisfying service and performance requirements, to receive or retain shares or units, other instruments, or cash in accordance with the terms of the arrangement.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (c)(2)(iii)(2)
-URI http://asc.fasb.org/extlink&oid=6415400&loc=d3e5070-113901
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsVestedInPeriodWeightedAverageGrantDateFairValue

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Details

Name: us-gaap_AwardTypeAxis=tcbi_ServiceBasedMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AwardTypeAxis=us-gaap_RestrictedStockUnitsRSUMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_RangeAxis=us-gaap_MinimumMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 102 R87.htm IDEA: XBRL DOCUMENT v3.3.1.900

Financial Instruments with Off-Balance Sheet Risk (Details) - USD ($)
$ in Thousands

Dec. 31, 2015

Dec. 31, 2014

Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]

Allowance allocation for off-balance sheet commitments $ 9,000 $ 7,100

Commitments to extend credit

Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]

Off-balance sheet liability 5,542,363 5,324,460

Standby letters of credit

Fair Value, Off-balance Sheet Risks, Disclosure Information [Line Items]

Off-balance sheet liability $ 182,219 $ 177,808

X

- Definition
Financing Receivable Allowance For Credit Losses Off Balance Sheet Liability
+ References
No definition available.
+ Details

Name: tcbi_FinancingReceivableAllowanceForCreditLossesOffBalanceSheetLiability

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The fair value of financial liabilities, which are not recognized in the financial statements (off-balance sheet) because they fail to meet some other criterion for recognition.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 10
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13433-108611
+ Details

Name: us-gaap_FairValueDisclosureOffbalanceSheetRisksAmountLiability

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_FairValueOffBalanceSheetRisksDisclosureInformationLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Details

Name: us-gaap_FinancialInstrumentAxis=us-gaap_CommitmentsToExtendCreditMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FinancialInstrumentAxis=us-gaap_StandbyLettersOfCreditMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 103 R88.htm IDEA: XBRL DOCUMENT v3.3.1.900

Regulatory Restrictions (Details) - USD ($)
$ in Thousands
3 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Regulatory Capital Requirements [Abstract]

Required reserve balance at the Federal Reserve $ 150,642 $ 88,155

Compliance with Regulatory Capital Requirements under Banking Regulations [Line Items]

Mortgage finance 4,966,276 4,102,125

Mortgage Finance, Average Balance 4,000,000

Common Equity Tier 1 [Abstract]

CET1, actual amount 1,455,662 1,312,225

CET1 for capital adequacy purposes, amount 876,563 748,445

Total capital (to risk-weighted assets):

Total capital (to risk weighted assets), actual amount 2,152,292 1,967,021

Total capital (to risk weighted assets) for capital adequacy purposes, amount 1,558,334 1,330,568

Tier 1 capital (to risk-weighted assets):

Tier 1 capital (to risk-weighted assets), actual amount 1,716,170 1,573,007

Tier 1 capital (to risk-weighted assets) for capital adequacy purposes, amount 1,168,751 665,284

Tier 1 capital (to average assets):

Tier 1 capital (to average assets), actual amount 1,716,170 1,573,007

Tier 1 capital (to average assets) for capital adequacy purposes, amount $ 769,258 $ 584,765

Risk Based Ratios [Abstract]

CET1, actual ratio 7.47% 7.89%

CET1 for capital adequacy purposes, ratio 4.50% 4.50%

Total capital (to risk weighted assets), actual ratio 11.05% 11.83%

Total capital (to risk weighted assets) for capital adequacy purposes, ratio 8.00% 8.00%

Tier 1 capital (to risk-weighted assets), actual ratio 8.81% 9.46%

Tier 1 capital (to risk-weighted assets) for capital adequacy purposes, ratio 6.00% 4.00%

Tier 1 capital (to average assets), actual ratio 8.92% 10.76%

Tier 1 capital (to average assets) for capital adequacy purposes, ratio 4.00% 4.00%

Bank

Common Equity Tier 1 [Abstract]

CET1, actual amount $ 1,522,729 $ 1,263,569

CET1 for capital adequacy purposes, amount 876,336 748,252

CET! to be well capitalized under prompt corrective action provisions, amount 1,265,819 1,080,809

Total capital (to risk-weighted assets):

Total capital (to risk weighted assets), actual amount 2,058,359 1,757,365

Total capital (to risk weighted assets) for capital adequacy purposes, amount 1,557,931 1,330,226

Total capital (to risk weighted assets) to be well capitalized under prompt corrective action provisions, amount 1,947,414 1,662,782

Tier 1 capital (to risk-weighted assets):

Tier 1 capital (to risk-weighted assets), actual amount 1,683,237 1,424,351

Tier 1 capital (to risk-weighted assets) for capital adequacy purposes, amount 1,168,448 665,113

Tier 1 capital (to risk weighted assets) to be well capitalized under prompt corrective action provisions, amount 1,557,931 997,669

Tier 1 capital (to average assets):

Tier 1 capital (to average assets), actual amount 1,683,237 1,424,351

Tier 1 capital (to average assets) for capital adequacy purposes, amount 769,498 584,597

Tier 1 capital (to average assets) to be well capitalized under prompt corrective action provisions, amount $ 961,873 $ 730,746

Risk Based Ratios [Abstract]

CET1, actual ratio 7.82% 7.60%

CET1 for capital adequacy purposes, ratio 4.50% 4.50%

CET1 to be well capitalized under prompt corrective action provisions, ratio 6.50% 6.50%

Total capital (to risk weighted assets), actual ratio 10.57% 10.57%

Total capital (to risk weighted assets) for capital adequacy purposes, ratio 8.00% 8.00%

Total capital (to risk weighted assets) to be well capitalized under prompt corrective action provisions, ratio 10.00% 10.00%

Tier 1 capital (to risk-weighted assets), actual ratio 8.64% 8.57%

Tier 1 capital (to risk-weighted assets) for capital adequacy purposes, ratio 6.00% 4.00%

Tier 1 capital (to risk weighted assets) to be well capitalized under prompt corrective action provisions, ratio 8.00% 6.00%

Tier 1 capital (to average assets), actual ratio 8.75% 9.75%

Tier 1 capital (to average assets) for capital adequacy purposes, ratio 4.00% 4.00%

Tier 1 capital (to average assets) to be well capitalized under prompt corrective action provisions, ratio 5.00% 5.00%

X

- Definition
Common Equity Tier 1 [Abstract]
+ References
No definition available.
+ Details

Name: tcbi_CommonEquityTier1Abstract

Namespace Prefix: tcbi_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Common Equity Tier 1 Capital
+ References
No definition available.
+ Details

Name: tcbi_CommonEquityTier1Capital

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Common Equity Tier 1, Capital Required for Capital Adequacy
+ References
No definition available.
+ Details

Name: tcbi_CommonEquityTier1CapitalRequiredforCapitalAdequacy

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Common Equity Tier 1, Capital Required for Capital Adequacy to Risk Weighted Assets
+ References
No definition available.
+ Details

Name: tcbi_CommonEquityTier1CapitalRequiredforCapitalAdequacytoRiskWeightedAssets

Namespace Prefix: tcbi_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Common Equity Tier 1, Capital Required to be Well Capitalized
+ References
No definition available.
+ Details

Name: tcbi_CommonEquityTier1CapitalRequiredtobeWellCapitalized

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Common Equity Tier 1, Capital Required to be Well Capitalized to Risk Weighted Assets
+ References
No definition available.
+ Details

Name: tcbi_CommonEquityTier1CapitalRequiredtobeWellCapitalizedtoRiskWeightedAssets

Namespace Prefix: tcbi_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Common Equity Tier 1, Capital to Risk Weighted Assets
+ References
No definition available.
+ Details

Name: tcbi_CommonEquityTier1CapitaltoRiskWeightedAssets

Namespace Prefix: tcbi_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
The mandated Federal Reserve amounts.
+ References
No definition available.
+ Details

Name: tcbi_FederalReserveMandatedReserveAmount

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Mortgage Finance
+ References
No definition available.
+ Details

Name: tcbi_MortgageFinance

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Mortgage Finance, Average Balance
+ References
No definition available.
+ Details

Name: tcbi_MortgageFinanceAverageBalance

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The amount of total capital as defined in the regulations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 948
-SubTopic 10
-Section 50
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=6490092&loc=d3e47304-110998

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1H
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1H
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 948
-SubTopic 10
-Section 50
-Paragraph 3
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=6490092&loc=d3e47080-110998
+ Details

Name: us-gaap_Capital

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_CapitalAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The minimum amount of Total Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1H
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826
+ Details

Name: us-gaap_CapitalRequiredForCapitalAdequacy

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The minimum Total risk based capital ratio (total capital divided by risk weighted assets) required for capital adequacy purposes under the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1H
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1B
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826
+ Details

Name: us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
The amount of Total Capital required to be categorized as well as capitalized under the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826
+ Details

Name: us-gaap_CapitalRequiredToBeWellCapitalized

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The Total risk based capital ratio (total capital divided by risk weighted assets) required to be categorized as "well capitalized", in the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826
+ Details

Name: us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Total Capital divided by risk weighted assets as defined in the regulations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1H
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826
+ Details

Name: us-gaap_CapitalToRiskWeightedAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_ComplianceWithRegulatoryCapitalRequirementsUnderBankingRegulationsLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_RegulatoryCapitalRequirementsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_RiskBasedRatiosAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Tier 1 Leverage Capital as defined in the regulations. Also called Core Capital.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1H
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826
+ Details

Name: us-gaap_TierOneLeverageCapital

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_TierOneLeverageCapitalAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The minimum amount of Tier 1 Leverage Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1H
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826
+ Details

Name: us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The minimum amount of Tier 1 Leverage Capital for capital adequacy purposes divided by average assets as defined in the regulations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1H
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1B
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826
+ Details

Name: us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
The amount of Tier 1 Leverage Capital required to be categorized as well capitalized under the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826
+ Details

Name: us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The amount of Tier 1 Leverage Capital required to be categorized as well capitalized divided by average assets as defined in the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826
+ Details

Name: us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Tier 1 Leverage Capital divided by average assets as defined in the regulations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1H
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826
+ Details

Name: us-gaap_TierOneLeverageCapitalToAverageAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Tier 1 Risk Based Capital as defined in the regulations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1H
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826
+ Details

Name: us-gaap_TierOneRiskBasedCapital

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_TierOneRiskBasedCapitalAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The minimum amount of Tier 1 Risk Based Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1H
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826
+ Details

Name: us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacy

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The minimum Tier One Capital Ratio (Tier one capital divided by risk-weighted assets) required for capital adequacy purposes under the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1B
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958570-112826

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1H
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826
+ Details

Name: us-gaap_TierOneRiskBasedCapitalRequiredForCapitalAdequacyToRiskWeightedAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
The amount of Tier 1 Risk Based Capital required to be categorized as well capitalized under the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826
+ Details

Name: us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The Tier 1 capital ratio (Tier 1 capital divided by risk weighted assets) required to be categorized as "well capitalized" under the regulatory framework for prompt corrective action.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826
+ Details

Name: us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Tier 1 capital divided by risk weighted assets as defined by regulations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1
-Subparagraph (c)(1)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=SL5958568-112826

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 505
-Section 50
-Paragraph 1H
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=35709795&loc=d3e65071-112826
+ Details

Name: us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Details

Name: dei_LegalEntityAxis=us-gaap_SubsidiariesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 104 R89.htm IDEA: XBRL DOCUMENT v3.3.1.900

Earnings Per Share (Details) - USD ($)
$ / shares in Units, $ in Thousands
3 Months Ended 12 Months Ended

Dec. 31, 2015

Sep. 30, 2015

Jun. 30, 2015

Mar. 31, 2015

Dec. 31, 2014

Sep. 30, 2014

Jun. 30, 2014

Mar. 31, 2014

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Numerator:

Net income $ 34,753 $ 37,114 $ 37,937 $ 35,050 $ 37,834 $ 36,832 $ 33,421 $ 28,265 $ 144,854 $ 136,352 $ 121,051

Preferred stock dividends 2,437 2,438 2,437 2,438 2,437 2,438 2,437 2,438 9,750 9,750 7,394

Net income available to common stockholders $ 32,316 $ 34,676 $ 35,500 $ 32,612 $ 35,397 $ 34,394 $ 30,984 $ 25,827 $ 135,104 $ 126,602 $ 113,657

Denominator:

Denominator for basic earnings per share—weighted average shares 45,856,000 45,828,000 45,790,000 45,759,000 44,406,000 43,144,000 43,075,000 42,298,000 45,808,440 43,236,344 40,864,225

Effect of employee stock-based awards 211,168 311,423 402,593

Effect of warrants to purchase common stock 418,264 455,489 513,063

Denominator for dilutive earnings per share—adjusted weighted average shares and assumed conversions 46,480,000 46,471,000 46,443,000 46,368,000 45,093,000 43,850,000 43,845,000 43,220,000 46,437,872 44,003,256 41,779,881

Basic earnings per common share $ 0.70 $ 0.76 $ 0.78 $ 0.71 $ 0.80 $ 0.80 $ 0.72 $ 0.61 $ 2.95 $ 2.93 $ 2.78

Diluted earnings per common share $ 0.70 $ 0.75 $ 0.76 $ 0.70 $ 0.78 $ 0.78 $ 0.71 $ 0.60 $ 2.91 $ 2.88 $ 2.72

Stock options excluded from computation of EPS 64,700 51,300 118,500

X

- Definition
Securities (including those issuable pursuant to contingent stock agreements) that could potentially dilute basic earnings per share (EPS) or earnings per unit (EPU) in the future that were not included in the computation of diluted EPS or EPU because to do so would increase EPS or EPU amounts or decrease loss per share or unit amounts for the period presented.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Antidilution
-URI http://asc.fasb.org/extlink&oid=6505113

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Diluted Earnings Per Share
-URI http://asc.fasb.org/extlink&oid=6510752

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Contingent Stock Agreement
-URI http://asc.fasb.org/extlink&oid=6508534

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257
+ Details

Name: us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.21)
-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 55
-Paragraph 52
-URI http://asc.fasb.org/extlink&oid=32703322&loc=d3e4984-109258

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1252-109256

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.19)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.23)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 18
-Article 7

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 20
-Article 5

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 21
-Article 9
+ Details

Name: us-gaap_EarningsPerShareBasic

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- Definition
The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.21)
-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1252-109256

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 18
-Article 7

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 20
-Article 5

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 21
-Article 9
+ Details

Name: us-gaap_EarningsPerShareDiluted

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- Definition
Additional shares included in the calculation of diluted EPS as a result of the potentially dilutive effect of call options and warrants using the treasury stock method.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 23
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1757-109256

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Treasury Stock Method
-URI http://asc.fasb.org/extlink&oid=6527216

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Call Option
-URI http://asc.fasb.org/extlink&oid=6506649

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Warrant
-URI http://asc.fasb.org/extlink&oid=6528364
+ Details

Name: us-gaap_IncrementalCommonSharesAttributableToCallOptionsAndWarrants

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
Additional shares included in the calculation of diluted EPS as a result of the potentially dilutive effect of share based payment arrangements using the treasury stock method.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 28A
-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1500-109256
+ Details

Name: us-gaap_IncrementalCommonSharesAttributableToShareBasedPaymentArrangements

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Net Income
-URI http://asc.fasb.org/extlink&oid=6518256

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.19)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.18)
-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.22)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Other Comprehensive Income
-URI http://asc.fasb.org/extlink&oid=6519514

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 19
-Article 5

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 20
-Article 9
+ Details

Name: us-gaap_NetIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Net income after adjustments for dividends on preferred stock (declared in the period) and/or cumulative preferred stock (accumulated for the period).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1377-109256
+ Details

Name: us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_NetIncomeLossAvailableToCommonStockholdersBasicAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The amount of preferred stock dividends that is an adjustment to net income apportioned to common stockholders.
+ References
No definition available.
+ Details

Name: us-gaap_PreferredStockDividendsIncomeStatementImpact

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 16
-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1505-109256

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257
+ Details

Name: us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 10
-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1448-109256

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Weighted-Average Number of Common Shares Outstanding
-URI http://asc.fasb.org/extlink&oid=6528421
+ Details

Name: us-gaap_WeightedAverageNumberOfSharesOutstandingBasic

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

XML 105 R90.htm IDEA: XBRL DOCUMENT v3.3.1.900

Fair Value Disclosures (Details) - USD ($)
$ in Thousands

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Dec. 31, 2012

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Securities, available-for-sale $ 29,992 $ 41,719

Loans held for sale 86,075 0

OREO 278 568 $ 5,110 $ 15,991

Mortgage-backed securities

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Securities, available-for-sale 21,901 31,065

Municipals

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Securities, available-for-sale 831 3,267

Equity securities

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Securities, available-for-sale 7,260 7,387

Fair value measurements, recurring basis | Level 1

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Loans held for sale 0 0

Derivative assets 0 0

Derivative liabilities 0 0

Fair value measurements, recurring basis | Level 1 | Mortgage-backed securities

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Securities, available-for-sale 0 0

Fair value measurements, recurring basis | Level 1 | Municipals

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Securities, available-for-sale 0 0

Fair value measurements, recurring basis | Level 1 | Equity securities

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Securities, available-for-sale 0 0

Fair value measurements, recurring basis | Level 2

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Loans held for sale 86,075 0

Derivative assets 35,292 31,176

Derivative liabilities 35,420 31,176

Fair value measurements, recurring basis | Level 2 | Mortgage-backed securities

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Securities, available-for-sale 21,901 31,065

Fair value measurements, recurring basis | Level 2 | Municipals

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Securities, available-for-sale 831 3,267

Fair value measurements, recurring basis | Level 2 | Equity securities

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Securities, available-for-sale 7,260 7,387

Fair value measurements, recurring basis | Level 3

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Loans held for sale 0 0

Derivative assets 0 0

Derivative liabilities 0 0

Fair value measurements, recurring basis | Level 3 | Mortgage-backed securities

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Securities, available-for-sale 0 0

Fair value measurements, recurring basis | Level 3 | Municipals

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Securities, available-for-sale 0 0

Fair value measurements, recurring basis | Level 3 | Equity securities

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Securities, available-for-sale 0 0

Fair value measurements, nonrecurring basis | Level 1

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Loans 0 0

OREO 0 0

Fair value measurements, nonrecurring basis | Level 2

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Loans 0 0

OREO 0 0

Fair value measurements, nonrecurring basis | Level 3

Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]

Loans 41,420 23,536

OREO $ 278 $ 568

X

- Definition
Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 25
-Paragraph 1
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=28360136&loc=d3e22054-111558

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 5
-Subparagraph (aa)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 45
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6871852&loc=d3e26610-111562
+ Details

Name: us-gaap_AvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value, after the effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets not subject to a master netting arrangement and not elected to be offset.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 20
-Section 50
-Paragraph 3
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=34720828&loc=SL20225862-175312

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 45
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6945355&loc=d3e41271-113958

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 10
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13433-108611

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 45
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=6945355&loc=d3e41228-113958

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13495-108611

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 20
-Section 55
-Paragraph 10
-URI http://asc.fasb.org/extlink&oid=36459792&loc=SL20226008-175313
+ Details

Name: us-gaap_DerivativeAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value, after the effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities not subject to a master netting arrangement and not elected to be offset.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 20
-Section 55
-Paragraph 10
-URI http://asc.fasb.org/extlink&oid=36459792&loc=SL20226008-175313

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13495-108611

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 20
-Section 50
-Paragraph 3
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=34720828&loc=SL20225862-175312

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 10
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13433-108611

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 45
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6945355&loc=d3e41271-113958

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 45
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=6945355&loc=d3e41228-113958
+ Details

Name: us-gaap_DerivativeLiabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Fair value portion of loans held-for-sale including, but not limited to, mortgage loans and finance receivables.
+ References
No definition available.
+ Details

Name: us-gaap_LoansHeldForSaleFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value portion of loan receivable, including, but not limited to, mortgage loans held for investment, finance receivables held for investment, policy loans on insurance contracts.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Glossary Loan
-URI http://asc.fasb.org/extlink&oid=6517073
+ Details

Name: us-gaap_LoansReceivableFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Carrying amount of other real estate not separately disclosed, including, but not limited to, real estate investments, real estate loans that qualify as investments in real estate, and premises that are no longer used in operations may also be included in real estate owned. This does not include real estate assets taken in settlement of troubled loans through surrender or foreclosure.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.10(4))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878
+ Details

Name: us-gaap_OtherRealEstate

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_MortgageBackedSecuritiesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_USStatesAndPoliticalSubdivisionsMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_MajorTypesOfDebtAndEquitySecuritiesAxis=us-gaap_EquitySecuritiesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsRecurringMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel1Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel2Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FairValueByFairValueHierarchyLevelAxis=us-gaap_FairValueInputsLevel3Member

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FairValueByMeasurementFrequencyAxis=us-gaap_FairValueMeasurementsNonrecurringMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 106 R91.htm IDEA: XBRL DOCUMENT v3.3.1.900

Fair Value Disclosures (Details 1) - USD ($)
$ in Thousands
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Impaired loans

Fair Value Assets Measured On Non Recurring Basis Unobservable Input Reconciliation [Line Items]

Asset measured on nonrecurring basis, carrying value $ 49,700 $ 29,200

Asset measured on nonrecurring basis, specific valuation allowance 8,300 5,700

Asset measured on nonrecurring basis, reported fair value 41,400 23,500

OREO

Fair Value Assets Measured On Non Recurring Basis Unobservable Input Reconciliation [Line Items]

Asset measured on nonrecurring basis, carrying value $ 278 $ 568

X

- References
No definition available.
+ Details

Name: tcbi_FairValueAssetsMeasuredOnNonRecurringBasisUnobservableInputReconciliationLineItems

Namespace Prefix: tcbi_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
This element represents total gains or losses for the period (realized and unrealized), arising from assets measured at fair value on a non-recurring basis using unobservable inputs (Level 3), which are included in earnings or resulted in a change in net asset value.
+ References
No definition available.
+ Details

Name: tcbi_FairValueMeasurementWithUnobservableInputsReconciliationNonRecurringBasisAssetGainLossIncludedInEarnings

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
This element represents a net asset value measured at fair value using significant unobservable inputs.
+ References
No definition available.
+ Details

Name: tcbi_FairValueMeasurementWithUnobservableInputsReconciliationNonRecurringBasisAssetNet

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
This element represents an asset measured at fair value using significant unobservable inputs (Level 3).
+ References
No definition available.
+ Details

Name: tcbi_FairValueMeasurementWithUnobservableInputsReconciliationNonRecurringBasisAssetValue

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: us-gaap_FairValueByAssetClassAxis=tcbi_ImpairedLoansMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FairValueByAssetClassAxis=tcbi_OtherRealEstateOwnedMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 107 R92.htm IDEA: XBRL DOCUMENT v3.3.1.900

Fair Value Disclosures (Details 2) - USD ($)
$ in Thousands

Dec. 31, 2015

Dec. 31, 2014

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Securities, available-for-sale $ 29,992 $ 41,719

Loans held for sale 86,075 0

Subordinated notes 286,000 286,000

Carrying Amount

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Cash and cash equivalents 1,790,870 1,330,514

Securities, available-for-sale 29,992 41,719

Loans held for sale 86,075 0

Loans held for investment, net 16,570,839 14,156,058

Derivative assets 35,292 31,176

Deposits 15,084,619 12,673,300

Federal funds purchased 74,164 66,971

Customer repurchase agreements 68,887 25,705

Other borrowings 1,500,000 1,100,005

Subordinated notes 286,000 286,000

Trust preferred subordinated debentures 113,406 113,406

Derivative liabilities 35,420 31,176

Estimated Fair Value

Fair Value, Balance Sheet Grouping, Financial Statement Captions [Line Items]

Cash and cash equivalents 1,790,870 1,330,514

Securities, available-for-sale 29,992 41,719

Loans held for sale 86,075 0

Loans held for investment, net 16,576,297 14,161,484

Derivative assets 35,292 31,176

Deposits 15,085,080 12,673,607

Federal funds purchased 74,164 66,971

Customer repurchase agreements 68,887 25,705

Other borrowings 1,500,000 1,100,005

Subordinated notes 291,091 289,947

Trust preferred subordinated debentures 113,406 113,406

Derivative liabilities $ 35,420 $ 31,176

X

- Definition
Amount of investment in debt and equity securities categorized neither as held-to-maturity nor trading.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 25
-Paragraph 1
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=28360136&loc=d3e22054-111558

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 50
-Paragraph 5
-Subparagraph (aa)
-URI http://asc.fasb.org/extlink&oid=27724398&loc=d3e27232-111563

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 320
-SubTopic 10
-Section 45
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6871852&loc=d3e26610-111562
+ Details

Name: us-gaap_AvailableForSaleSecurities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value portion of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Cash
-URI http://asc.fasb.org/extlink&oid=6506951

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Cash Equivalents
-URI http://asc.fasb.org/extlink&oid=6507016
+ Details

Name: us-gaap_CashAndCashEquivalentsFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value portion of deposit liabilities held by the entity, including, but not limited to, foreign and domestic, interest and noninterest bearing, demand deposits, saving deposits, negotiable orders of withdrawal (NOW) and time deposits.
+ References
No definition available.
+ Details

Name: us-gaap_DepositsFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Fair value, after the effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets not subject to a master netting arrangement and not elected to be offset.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 20
-Section 50
-Paragraph 3
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=34720828&loc=SL20225862-175312

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 45
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6945355&loc=d3e41271-113958

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 10
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13433-108611

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 45
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=6945355&loc=d3e41228-113958

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13495-108611

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 20
-Section 55
-Paragraph 10
-URI http://asc.fasb.org/extlink&oid=36459792&loc=SL20226008-175313
+ Details

Name: us-gaap_DerivativeAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value, after the effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities not subject to a master netting arrangement and not elected to be offset.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 20
-Section 55
-Paragraph 10
-URI http://asc.fasb.org/extlink&oid=36459792&loc=SL20226008-175313

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13495-108611

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 20
-Section 50
-Paragraph 3
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=34720828&loc=SL20225862-175312

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 10
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13433-108611

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 45
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6945355&loc=d3e41271-113958

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 45
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=6945355&loc=d3e41228-113958
+ Details

Name: us-gaap_DerivativeLiabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_FairValueBalanceSheetGroupingFinancialStatementCaptionsLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Fair value of subordinated debt obligations including, but not limited to, subordinated loan, subordinated bond, subordinated debenture or junior debt.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 820
-SubTopic 10
-Section 50
-Paragraph 2
-Subparagraph (a),(b)
-URI http://asc.fasb.org/extlink&oid=36462937&loc=d3e19207-110258
+ Details

Name: us-gaap_FairValueLiabilitiesMeasuredOnRecurringBasisSubordinatedDebtObligations

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Fair value portion of short term borrowing where a bank borrows, at the federal funds rate, from another bank.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.13(3)(a))
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878
+ Details

Name: us-gaap_FederalFundsPurchasedFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Fair value portion of loans held-for-sale including, but not limited to, mortgage loans and finance receivables.
+ References
No definition available.
+ Details

Name: us-gaap_LoansHeldForSaleFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value portion of contractual obligation to pay money on demand or on fixed or determinable dates.
+ References
No definition available.
+ Details

Name: us-gaap_LoansPayableFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Fair value portion of loan receivable, including, but not limited to, mortgage loans held for investment, finance receivables held for investment, policy loans on insurance contracts.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Glossary Loan
-URI http://asc.fasb.org/extlink&oid=6517073
+ Details

Name: us-gaap_LoansReceivableFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value portion of securities that an entity sells and agrees to repurchase at a specified date for a specified price.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 10
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13433-108611
+ Details

Name: us-gaap_SecuritiesLoanedOrSoldUnderAgreementsToRepurchaseFairValueDisclosure

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Including the current and noncurrent portions, carrying value as of the balance sheet date of Notes with the highest claim on the assets of the issuer in case of bankruptcy or liquidation (with maturities initially due after one year or beyond the operating cycle if longer). Senior note holders are paid off in full before any payments are made to junior note holders.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-03.16(a))
-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.16)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 16
-Article 9
+ Details

Name: us-gaap_SeniorNotes

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Details

Name: us-gaap_FairValueByMeasurementBasisAxis=us-gaap_CarryingReportedAmountFairValueDisclosureMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_FairValueByMeasurementBasisAxis=us-gaap_EstimateOfFairValueFairValueDisclosureMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 108 R93.htm IDEA: XBRL DOCUMENT v3.3.1.900

Commitments and Contingencies (Details) - USD ($)
$ in Thousands
12 Months Ended

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Commitments and Contingencies Disclosure [Abstract]

Rent expense $ 15,300 $ 13,600 $ 10,200

Minimum future lease payments under operating leases

2015 15,572

2016 15,667

2017 15,633

2018 15,345

2019 14,501

2021 and thereafter 39,059

Total $ 115,777

X

- References
No definition available.
+ Details

Name: us-gaap_CommitmentsAndContingenciesDisclosureAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of required minimum rental payments for leases having an initial or remaining non-cancelable letter-terms in excess of one year.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 840
-SubTopic 10
-Section 55
-Paragraph 40
-Subparagraph (Note 3)
-URI http://asc.fasb.org/extlink&oid=6584154&loc=d3e38371-112697

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 840
-SubTopic 20
-Section 50
-Paragraph 2
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6453985&loc=d3e41502-112717
+ Details

Name: us-gaap_OperatingLeasesFutureMinimumPaymentsDue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_OperatingLeasesFutureMinimumPaymentsDueAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the next fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 840
-SubTopic 10
-Section 55
-Paragraph 40
-Subparagraph (Note 3)
-URI http://asc.fasb.org/extlink&oid=6584154&loc=d3e38371-112697

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 840
-SubTopic 20
-Section 50
-Paragraph 2
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6453985&loc=d3e41502-112717
+ Details

Name: us-gaap_OperatingLeasesFutureMinimumPaymentsDueCurrent

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 840
-SubTopic 20
-Section 50
-Paragraph 2
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6453985&loc=d3e41502-112717

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 840
-SubTopic 10
-Section 55
-Paragraph 40
-Subparagraph (Note 3)
-URI http://asc.fasb.org/extlink&oid=6584154&loc=d3e38371-112697
+ Details

Name: us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFiveYears

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the fourth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 840
-SubTopic 20
-Section 50
-Paragraph 2
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6453985&loc=d3e41502-112717

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 840
-SubTopic 10
-Section 55
-Paragraph 40
-Subparagraph (Note 3)
-URI http://asc.fasb.org/extlink&oid=6584154&loc=d3e38371-112697
+ Details

Name: us-gaap_OperatingLeasesFutureMinimumPaymentsDueInFourYears

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the third fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 840
-SubTopic 20
-Section 50
-Paragraph 2
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6453985&loc=d3e41502-112717

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 840
-SubTopic 10
-Section 55
-Paragraph 40
-Subparagraph (Note 3)
-URI http://asc.fasb.org/extlink&oid=6584154&loc=d3e38371-112697
+ Details

Name: us-gaap_OperatingLeasesFutureMinimumPaymentsDueInThreeYears

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due in the second fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 840
-SubTopic 10
-Section 55
-Paragraph 40
-Subparagraph (Note 3)
-URI http://asc.fasb.org/extlink&oid=6584154&loc=d3e38371-112697

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 840
-SubTopic 20
-Section 50
-Paragraph 2
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6453985&loc=d3e41502-112717
+ Details

Name: us-gaap_OperatingLeasesFutureMinimumPaymentsDueInTwoYears

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of required minimum rental payments for operating leases having an initial or remaining non-cancelable lease term in excess of one year due after the fifth fiscal year following the latest fiscal year. Excludes interim and annual periods when interim periods are reported on a rolling approach, from latest balance sheet date.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 840
-SubTopic 10
-Section 55
-Paragraph 40
-Subparagraph (Note 3)
-URI http://asc.fasb.org/extlink&oid=6584154&loc=d3e38371-112697

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 840
-SubTopic 20
-Section 50
-Paragraph 2
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6453985&loc=d3e41502-112717
+ Details

Name: us-gaap_OperatingLeasesFutureMinimumPaymentsDueThereafter

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Rental expense for the reporting period incurred under operating leases, including minimum and any contingent rent expense, net of related sublease income.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 840
-SubTopic 20
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6453985&loc=d3e41499-112717
+ Details

Name: us-gaap_OperatingLeasesRentExpenseNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

XML 109 R94.htm IDEA: XBRL DOCUMENT v3.3.1.900

Parent Company Only (Details) - USD ($)
$ in Thousands

Dec. 31, 2015

Dec. 31, 2014

Jan. 31, 2014

Dec. 31, 2013

Dec. 31, 2012

Sep. 21, 2012

Assets

Cash and cash equivalents $ 1,790,870 $ 1,330,514 $ 153,911 $ 206,348

Other assets 387,419 333,699

Total assets 18,909,139 15,905,713

Liabilities and Stockholders’ Equity

Subordinated notes 286,000 286,000

Trust preferred subordinated debentures 113,406 113,406 $ 175,000 $ 111,000

Total liabilities 17,285,606 14,421,523

Preferred stock 150,000 150,000

Common stock 459 457

Additional paid-in capital 714,546 709,738

Retained earnings 757,818 622,714

Treasury stock (8) (8)

Accumulated other comprehensive income 718 1,289

Total stockholders’ equity 1,623,533 1,484,190 1,096,350 836,242

Total liabilities and stockholders’ equity 18,909,139 15,905,713

Texas Capital Bancshares, Inc.

Assets

Cash and cash equivalents 53,061 176,324 $ 47,605 $ 141,257

Investment in subsidiaries 1,714,158 1,459,092

Other assets 86,359 82,783

Total assets 1,853,578 1,718,199

Liabilities and Stockholders’ Equity

Other liabilities 1,119 1,328

Subordinated notes 111,000 111,000

Trust preferred subordinated debentures 113,406 113,406

Total liabilities 225,525 225,734

Preferred stock 150,000 150,000

Common stock 459 457

Additional paid-in capital 724,698 719,890

Retained earnings 752,186 620,837

Treasury stock (8) (8)

Accumulated other comprehensive income 718 1,289

Total stockholders’ equity 1,628,053 1,492,465

Total liabilities and stockholders’ equity $ 1,853,578 $ 1,718,199

X

- Definition
Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e637-108580

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 14
-URI http://asc.fasb.org/extlink&oid=36458714&loc=d3e681-108580

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 220
-SubTopic 10
-Section 45
-Paragraph 14A
-URI http://asc.fasb.org/extlink&oid=36458714&loc=SL7669686-108580

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 31
-Article 5

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Article 3
+ Details

Name: us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Excess of issue price over par or stated value of the entity's capital stock and amounts received from other transactions involving the entity's stock or stockholders. Includes adjustments to additional paid in capital. Some examples of such adjustments include recording the issuance of debt with a beneficial conversion feature and certain tax consequences of equity instruments awarded to employees. Use this element for the aggregate amount of additional paid-in capital associated with common and preferred stock. For additional paid-in capital associated with only common stock, use the element additional paid in capital, common stock. For additional paid-in capital associated with only preferred stock, use the element additional paid in capital, preferred stock.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.30(a)(1))
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 31
-Article 5
+ Details

Name: us-gaap_AdditionalPaidInCapital

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.18)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 12
-Article 7

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 18
-Article 5
+ Details

Name: us-gaap_Assets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_AssetsAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Cash
-URI http://asc.fasb.org/extlink&oid=6506951

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section 45
-Paragraph 1
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=28358313&loc=d3e6676-107765

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3044-108585

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Cash Equivalents
-URI http://asc.fasb.org/extlink&oid=6507016

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.1)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 1
-Article 5
+ Details

Name: us-gaap_CashAndCashEquivalentsAtCarryingValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Aggregate par or stated value of issued nonredeemable common stock (or common stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable common shares, par value and other disclosure concepts are in another section within stockholders' equity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.29)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 30
-Article 5
+ Details

Name: us-gaap_CommonStockValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Total investments in (A) an entity in which the entity has significant influence, but does not have control, (B) subsidiaries that are not required to be consolidated and are accounted for using the equity and or cost method, and (C) an entity in which the reporting entity shares control of the entity with another party or group. Includes long-term advances receivable from a party that is affiliated with the reporting entity by means of direct or indirect ownership.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.12)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682
+ Details

Name: us-gaap_InvestmentsInAffiliatesSubsidiariesAssociatesAndJointVentures

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.19-26)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682
+ Details

Name: us-gaap_Liabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Amount of liabilities and equity items, including the portion of equity attributable to noncontrolling interests, if any.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.32)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 25
-Article 7

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 32
-Article 5
+ Details

Name: us-gaap_LiabilitiesAndStockholdersEquity

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- References
No definition available.
+ Details

Name: us-gaap_LiabilitiesAndStockholdersEquityAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The aggregate carrying amounts, as of the balance sheet date, of assets not separately disclosed in the balance sheet.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.17)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 10
-Article 7

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 17
-Article 5
+ Details

Name: us-gaap_OtherAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Aggregate carrying amount of current liabilities (due within one year or within the normal operating cycle if longer) not separately disclosed in the balance sheet. Includes costs that are statutory in nature, are incurred on contractual obligations, or accumulate over time and for which invoices have not yet been received or will not be rendered and of liabilities not separately disclosed.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.20)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section 45
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=28358313&loc=d3e6904-107765

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section 45
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=28358313&loc=d3e6911-107765

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 20
-Article 5
+ Details

Name: us-gaap_OtherLiabilitiesCurrent

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Aggregate par or stated value of issued nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable preferred shares, par value and other disclosure concepts are in another section within stockholders' equity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.3-04)
-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.28)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Article 3

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 29
-Article 5
+ Details

Name: us-gaap_PreferredStockValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The cumulative amount of the reporting entity's undistributed earnings or deficit.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.31(a)(3))
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 31
-Article 5

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Article 3
+ Details

Name: us-gaap_RetainedEarningsAccumulatedDeficit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Including the current and noncurrent portions, carrying value as of the balance sheet date of Notes with the highest claim on the assets of the issuer in case of bankruptcy or liquidation (with maturities initially due after one year or beyond the operating cycle if longer). Senior note holders are paid off in full before any payments are made to junior note holders.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-03.16(a))
-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.16)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 16
-Article 9
+ Details

Name: us-gaap_SeniorNotes

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SAB TOPIC 4.E)
-URI http://asc.fasb.org/extlink&oid=27010918&loc=d3e74512-122707

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.29-31)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 29, 30, 31
-Article 5

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 4
-Section E
+ Details

Name: us-gaap_StockholdersEquity

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Including the current and noncurrent portions, carrying value as of the balance sheet date of subordinated debt (with initial maturities beyond one year or beyond the operating cycle if longer). Subordinated debt places a lender in a lien position behind debt having a higher priority of repayment in liquidation of the entity's assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-03.16)
-URI http://asc.fasb.org/extlink&oid=6879938&loc=d3e572229-122910

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 210
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-03.16)
-URI http://asc.fasb.org/extlink&oid=6876686&loc=d3e534808-122878

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Article 5
-Subsection 19, 20, 22

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 16
-Article 9

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Staff Accounting Bulletin (SAB)
-Number Topic 10
-Section F
+ Details

Name: us-gaap_SubordinatedDebt

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
The amount allocated to treasury stock. Treasury stock is common and preferred shares of an entity that were issued, repurchased by the entity, and are held in its treasury.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 30
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6405834&loc=d3e23315-112656
+ Details

Name: us-gaap_TreasuryStockValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Details

Name: dei_LegalEntityAxis=us-gaap_ParentCompanyMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 110 R95.htm IDEA: XBRL DOCUMENT v3.3.1.900

Parent Company Only (Details 1) - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended

Dec. 31, 2015

Sep. 30, 2015

Jun. 30, 2015

Mar. 31, 2015

Dec. 31, 2014

Sep. 30, 2014

Jun. 30, 2014

Mar. 31, 2014

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Statement of Earnings

Loan income $ 594,729 $ 511,606 $ 441,314

Other non-interest income 9,446 11,281 7,801

Interest expense $ 12,632 $ 11,808 $ 11,089 $ 10,899 $ 10,251 $ 9,629 $ 9,406 $ 8,296 46,428 37,582 25,112

Salaries and employee benefits 192,610 169,051 157,752

Legal and professional 22,150 21,182 18,104

Other non-interest expense 33,434 28,440 26,030

Income tax expense 17,713 20,876 21,343 19,709 20,357 20,810 18,754 16,089 79,641 76,010 66,757

Net income 34,753 37,114 37,937 35,050 37,834 36,832 33,421 28,265 144,854 136,352 121,051

Preferred stock dividends 2,437 2,438 2,437 2,438 2,437 2,438 2,437 2,438 9,750 9,750 7,394

Net income available to common stockholders $ 32,316 $ 34,676 $ 35,500 $ 32,612 $ 35,397 $ 34,394 $ 30,984 $ 25,827 135,104 126,602 113,657

Texas Capital Bancshares, Inc.

Statement of Earnings

Loan income 3,250 10,850 10,382

Dividend income 10,400 5,275 76

Other income 76 28 72

Total income 13,726 16,153 10,530

Other non-interest income 8 0 0

Interest expense 9,867 10,038 9,863

Salaries and employee benefits 499 617 669

Legal and professional 1,640 2,237 2,605

Other non-interest expense 1,637 933 651

Total expense 13,643 13,825 13,788

Income (loss) before income taxes and equity in undistributed income of subsidiary 91 2,328 (3,258)

Income tax expense 33 833 (1,165)

Income before income taxes 58 1,495 (2,093)

Equity in undistributed income of subsidiary 141,041 132,980 123,144

Net income 141,099 134,475 121,051

Preferred stock dividends 9,750 9,750 7,394

Net income available to common stockholders $ 131,349 $ 124,725 $ 113,657

X

- Definition
Amount of operating dividend income on securities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.2)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 2
-Article 9
+ Details

Name: us-gaap_DividendIncomeOperating

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Income or Loss from continuing operations, net of taxes, including net Income or Loss from discontinued operations but before extraordinary items.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.14)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.15)
-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 16
-Article 5

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 14
-Article 7
+ Details

Name: us-gaap_IncomeLossBeforeExtraordinaryItemsAndCumulativeEffectOfChangeInAccountingPrinciple

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
This item represents the entity's proportionate share for the period of the net income (loss) of its investee (such as unconsolidated subsidiaries and joint ventures) to which the equity method of accounting is applied. This item includes income or expense related to stock-based compensation based on the investor's grant of stock to employees of an equity method investee.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 323
-SubTopic 10
-Section 45
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=35755396&loc=d3e33749-111570

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.12)
-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 9
-Article 5

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 11
-Article 7
+ Details

Name: us-gaap_IncomeLossFromEquityMethodInvestments

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_IncomeStatementAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 9
-Subparagraph (a),(b)
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(h))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Income Tax Expense (or Benefit)
-URI http://asc.fasb.org/extlink&oid=6515339

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph h
-Article 4
+ Details

Name: us-gaap_IncomeTaxExpenseBenefit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The aggregate interest and fee income generated by: (1) loans the Entity has positive intent and ability to hold for the foreseeable future, or until maturity or payoff, including commercial and consumer loans, whether domestic or foreign, which may consist of: (a) industrial and agricultural; (b) real estate; and (c) real estate construction loans; (d) trade financing; (e) lease financing; (f) home equity lines-of-credit; (g) automobile and other vehicle loans; and (h) credit card and other revolving-type loans and (2) loans and leases held-for-sale which may include mortgage loans, direct financing, and sales-type leases.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.1)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 1
-Article 9
+ Details

Name: us-gaap_InterestAndFeeIncomeLoansAndLeases

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of the cost of borrowed funds accounted for as interest expense.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 20
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6450988&loc=d3e26243-108391

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.9)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 9
-Article 9
+ Details

Name: us-gaap_InterestExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The aggregate amount of expenditures for salaries, wages, profit sharing and incentive compensation, and other employee benefits, including equity-based compensation, and pension and other postretirement benefit expense.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.4)
-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688
+ Details

Name: us-gaap_LaborAndRelatedExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Net Income
-URI http://asc.fasb.org/extlink&oid=6518256

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.19)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.18)
-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.22)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Other Comprehensive Income
-URI http://asc.fasb.org/extlink&oid=6519514

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 19
-Article 5

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 20
-Article 9
+ Details

Name: us-gaap_NetIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Net income after adjustments for dividends on preferred stock (declared in the period) and/or cumulative preferred stock (accumulated for the period).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1377-109256
+ Details

Name: us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Represents the total of noninterest income derived from certain activities and assets including (for example): (1) venture capital investments; (2) bank owned life insurance; (3) foreign currency transactions; and (4) mortgage servicing rights.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.13)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882
+ Details

Name: us-gaap_NoninterestIncomeOther

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Generally recurring costs associated with normal operations except for the portion of these expenses which can be clearly related to production and included in cost of sales or services. Includes selling, general and administrative expense.
+ References
No definition available.
+ Details

Name: us-gaap_OperatingExpenses

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The net result for the period of deducting operating expenses from operating revenues.
+ References
No definition available.
+ Details

Name: us-gaap_OperatingIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Reflects the sum of all other revenue and income recognized by the entity in the period not otherwise specified in the income statement.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.4)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 4
-Article 7
+ Details

Name: us-gaap_OtherIncome

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Other noninterest expenses that are not separately presented in any other noninterest expense category.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.14)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882
+ Details

Name: us-gaap_OtherNoninterestExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The amount of preferred stock dividends that is an adjustment to net income apportioned to common stockholders.
+ References
No definition available.
+ Details

Name: us-gaap_PreferredStockDividendsIncomeStatementImpact

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
A fee charged for services from professionals such as doctors, lawyers and accountants. The term is often expanded to include other professions, for example, pharmacists charging to maintain a medicinal profile of a client or customer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 946
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.6-07.2(a),(b),(c),(d))
-URI http://asc.fasb.org/extlink&oid=6488393&loc=d3e606610-122999

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 946
-SubTopic 225
-Section 45
-Paragraph 3
-Subparagraph (k)
-URI http://asc.fasb.org/extlink&oid=6488370&loc=d3e13550-115849
+ Details

Name: us-gaap_ProfessionalFees

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of revenue recognized from goods sold, services rendered, insurance premiums, or other activities that constitute an earning process. Includes, but is not limited to, investment and interest income before deduction of interest expense when recognized as a component of revenue, and sales and trading gain (loss).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.1)
-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 1
-Article 5
+ Details

Name: us-gaap_Revenues

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Details

Name: dei_LegalEntityAxis=us-gaap_ParentCompanyMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 111 R96.htm IDEA: XBRL DOCUMENT v3.3.1.900

Parent Company Only (Details 2) - USD ($)
$ in Thousands
3 Months Ended 12 Months Ended

Mar. 28, 2013

Dec. 31, 2015

Sep. 30, 2015

Jun. 30, 2015

Mar. 31, 2015

Dec. 31, 2014

Sep. 30, 2014

Jun. 30, 2014

Mar. 31, 2014

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Operating activities

Net income $ 34,753 $ 37,114 $ 37,937 $ 35,050 $ 37,834 $ 36,832 $ 33,421 $ 28,265 $ 144,854 $ 136,352 $ 121,051

Adjustments to reconcile net income to net cash used in operating activities:

Increase in other assets (61,002) (58,579) 31,010

Excess tax benefits from stock-based compensation arrangements (1,499) (2,929) (1,200)

Increase in other liabilities (3,554) 38,366 3,508

Net cash provided by operating activities 68,943 157,727 191,377

Investing Activity

Net cash used in investing activities (2,460,786) (2,983,670) (1,275,875)

Financing Activities

Proceeds from sale of common stock 0 256,223 0

Proceeds from issuance of preferred stock $ 145,000 0 0 144,987

Preferred dividends paid (9,750) (9,750) (6,960)

Issuance of subordinated notes 0 172,375 0

Net other borrowings 399,995 244,979 (797,002)

Excess tax benefits from stock-based compensation arrangements 1,499 2,929 1,200

Net cash provided by financing activities 2,852,199 4,002,546 1,032,061

Net increase (decrease) in cash and cash equivalents 460,356 1,176,603 (52,437)

Cash and cash equivalents at beginning of period 1,330,514 153,911 1,330,514 153,911 206,348

Cash and cash equivalents at end of period 1,790,870 1,330,514 1,790,870 1,330,514 153,911

Texas Capital Bancshares, Inc.

Operating activities

Net income 141,099 134,475 121,051

Adjustments to reconcile net income to net cash used in operating activities:

Equity in undistributed income of subsidiary (141,041) (132,980) (123,144)

Increase in other assets (2,123) (2,120) (2,413)

Excess tax benefits from stock-based compensation arrangements (1,499) (2,929) (1,200)

Increase in other liabilities (209) 74 37

Net cash provided by operating activities (3,773) (3,480) (5,669)

Investing Activity

Investments in and advances to subsidiaries (110,000) (100,000) (240,000)

Net cash used in investing activities (110,000) (100,000) (240,000)

Financing Activities

Costs from issuance of stock related to stock-based awards and warrants (1,239) (2,203) (2,210)

Proceeds from sale of common stock 0 256,223 0

Proceeds from issuance of preferred stock 0 0 144,987

Preferred dividends paid (9,750) (9,750) (6,960)

Issuance of subordinated notes 0 0 0

Net other borrowings 0 (15,000) 15,000

Excess tax benefits from stock-based compensation arrangements 1,499 2,929 1,200

Net cash provided by financing activities (9,490) 232,199 152,017

Net increase (decrease) in cash and cash equivalents (123,263) 128,719 (93,652)

Cash and cash equivalents at beginning of period $ 176,324 $ 47,605 176,324 47,605 141,257

Cash and cash equivalents at end of period $ 53,061 $ 176,324 $ 53,061 $ 176,324 $ 47,605

X

- References
No definition available.
+ Details

Name: us-gaap_AdjustmentsToReconcileNetIncomeLossToCashProvidedByUsedInOperatingActivitiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Excludes cash and cash equivalents within disposal group and discontinued operation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Cash
-URI http://asc.fasb.org/extlink&oid=6506951

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section 45
-Paragraph 1
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=28358313&loc=d3e6676-107765

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3044-108585

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Cash Equivalents
-URI http://asc.fasb.org/extlink&oid=6507016

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.1)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 1
-Article 5
+ Details

Name: us-gaap_CashAndCashEquivalentsAtCarryingValue

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount of increase (decrease) in cash and cash equivalents. Cash and cash equivalents are the amount of currency on hand as well as demand deposits with banks or financial institutions. Includes other kinds of accounts that have the general characteristics of demand deposits. Also includes short-term, highly liquid investments that are both readily convertible to known amounts of cash and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Includes effect from exchange rate changes.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 24
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3521-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 830
-SubTopic 230
-Section 45
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6450594&loc=d3e33268-110906
+ Details

Name: us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of cash inflow from realized tax benefit related to deductible compensation cost reported on the entity's tax return for equity instruments in excess of the compensation cost for those instruments recognized for financial reporting purposes.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 20
-Section 55
-Paragraph 24
-URI http://asc.fasb.org/extlink&oid=32706628&loc=d3e11374-113907
+ Details

Name: us-gaap_ExcessTaxBenefitFromShareBasedCompensationFinancingActivities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of cash outflow for realized tax benefit related to deductible compensation cost reported on the entity's tax return for equity instruments in excess of the compensation cost for those instruments recognized for financial reporting purposes.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 718
-SubTopic 20
-Section 55
-Paragraph 24
-URI http://asc.fasb.org/extlink&oid=32706628&loc=d3e11374-113907
+ Details

Name: us-gaap_ExcessTaxBenefitFromShareBasedCompensationOperatingActivities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
This item represents the entity's proportionate share for the period of the net income (loss) of its investee (such as unconsolidated subsidiaries and joint ventures) to which the equity method of accounting is applied. This item includes income or expense related to stock-based compensation based on the investor's grant of stock to employees of an equity method investee.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 323
-SubTopic 10
-Section 45
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=35755396&loc=d3e33749-111570

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.12)
-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 9
-Article 5

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 11
-Article 7
+ Details

Name: us-gaap_IncomeLossFromEquityMethodInvestments

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The increase (decrease) during the reporting period in other assets used in operating activities not separately disclosed in the statement of cash flows. May include changes in other current assets, other noncurrent assets, or a combination of other current and noncurrent assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585
+ Details

Name: us-gaap_IncreaseDecreaseInOtherOperatingAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The increase (decrease) during the reporting period in other liabilities used in operating activities not separately disclosed in the statement of cash flows. May include changes in other current liabilities, other noncurrent liabilities, or a combination of other current and noncurrent liabilities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585
+ Details

Name: us-gaap_IncreaseDecreaseInOtherOperatingLiabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of cash inflow (outflow) from financing activities, including discontinued operations. Financing activity cash flows include obtaining resources from owners and providing them with a return on, and a return of, their investment; borrowing money and repaying amounts borrowed, or settling the obligation; and obtaining and paying for other resources obtained from creditors on long-term credit.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 24
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3521-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 26
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3574-108585
+ Details

Name: us-gaap_NetCashProvidedByUsedInFinancingActivities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of cash inflow (outflow) from investing activities, including discontinued operations. Investing activity cash flows include making and collecting loans and acquiring and disposing of debt or equity instruments and property, plant, and equipment and other productive assets.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 24
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3521-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 26
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3574-108585
+ Details

Name: us-gaap_NetCashProvidedByUsedInInvestingActivities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Amount of cash inflow (outflow) from operating activities, including discontinued operations. Operating activity cash flows include transactions, adjustments, and changes in value not defined as investing or financing activities.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 24
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3521-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 25
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3536-108585
+ Details

Name: us-gaap_NetCashProvidedByUsedInOperatingActivities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_NetCashProvidedByUsedInOperatingActivitiesAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Net Income
-URI http://asc.fasb.org/extlink&oid=6518256

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.19)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.18)
-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.22)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Other Comprehensive Income
-URI http://asc.fasb.org/extlink&oid=6519514

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 19
-Article 5

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 20
-Article 9
+ Details

Name: us-gaap_NetIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of cash outflow in the form of ordinary dividends to preferred shareholders of the parent entity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 15
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3291-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Financing Activities
-URI http://asc.fasb.org/extlink&oid=6513228
+ Details

Name: us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The cash outflow associated with the purchase of noncontrolling interest during the period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 13
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3213-108585
+ Details

Name: us-gaap_PaymentsToAcquireAdditionalInterestInSubsidiaries

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The cash inflow from the additional capital contribution to the entity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Financing Activities
-URI http://asc.fasb.org/extlink&oid=6513228

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 14
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3255-108585
+ Details

Name: us-gaap_ProceedsFromIssuanceOfCommonStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Proceeds from issuance of capital stock which provides for a specific dividend that is paid to the shareholders before any dividends to common stockholders and which takes precedence over common stockholders in the event of liquidation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 14
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3255-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Financing Activities
-URI http://asc.fasb.org/extlink&oid=6513228
+ Details

Name: us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The cash inflow from a borrowing with the highest claim on the assets of the entity in case of bankruptcy or liquidation (with maturities initially due after one year or beyond the operating cycle, if longer).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Financing Activities
-URI http://asc.fasb.org/extlink&oid=6513228

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 14
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3255-108585
+ Details

Name: us-gaap_ProceedsFromIssuanceOfSeniorLongTermDebt

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The total cash inflow associated with the amount received from holders to acquire the entity's shares under incentive and share awards, including stock option exercises. This item inherently excludes any excess tax benefit, which the entity may have realized and reported separately.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 14
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3255-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Financing Activities
-URI http://asc.fasb.org/extlink&oid=6513228
+ Details

Name: us-gaap_ProceedsFromIssuanceOfSharesUnderIncentiveAndShareBasedCompensationPlansIncludingStockOptions

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The net cash inflow or outflow for borrowing having initial term of repayment within one year or the normal operating cycle, if longer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 9
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3098-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Financing Activities
-URI http://asc.fasb.org/extlink&oid=6513228
+ Details

Name: us-gaap_ProceedsFromRepaymentsOfShortTermDebt

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Details

Name: dei_LegalEntityAxis=us-gaap_ParentCompanyMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 112 R97.htm IDEA: XBRL DOCUMENT v3.3.1.900

Derivative Financial Instruments (Details 1) - Non-hedging - USD ($)
$ in Thousands

Dec. 31, 2015

Dec. 31, 2014

Derivative [Line Items]

Estimated fair value, asset derivative $ 35,292 $ 31,537

Estimated fair value, liability derivative 35,420 31,537

Offsetting derivative liabilities 0 (361)

Offsetting derivative assets 0 (361)

Net asset derivatives included in the consolidated balance sheets 35,292 31,176

Net liability derivatives included in the consolidated balance sheets 35,420 31,176

Interest rate contract | Loan purchase commitments

Derivative [Line Items]

Notional amount 62,835 0

Estimated fair value, asset derivative 0 0

Estimated fair value, liability derivative 109 0

Interest rate contract | Loan purchase commitments

Derivative [Line Items]

Notional amount 143,200 0

Estimated fair value, asset derivative 0 0

Estimated fair value, liability derivative 19 0

Financial institution counterparties | Commercial loan/lease | Interest rate swap

Derivative [Line Items]

Notional amount 976,389 866,432

Estimated fair value, asset derivative 0 361

Estimated fair value, liability derivative 33,851 30,162

Financial institution counterparties | Commercial loan/lease | Interest rate cap

Derivative [Line Items]

Notional amount 194,304 63,414

Estimated fair value, asset derivative 1,441 1,014

Estimated fair value, liability derivative 0 0

Customer counterparties | Commercial loan/lease | Interest rate swap

Derivative [Line Items]

Notional amount 976,389 866,432

Estimated fair value, asset derivative 33,851 30,162

Estimated fair value, liability derivative 0 361

Customer counterparties | Commercial loan/lease | Interest rate cap

Derivative [Line Items]

Notional amount 194,304 63,414

Estimated fair value, asset derivative 0 0

Estimated fair value, liability derivative $ 1,441 $ 1,014

X

- Definition
Aggregate notional amount specified by the derivative(s). Expressed as an absolute value.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Article 12
-Section 13
-Sentence Column B
+ Details

Name: invest_DerivativeNotionalAmount

Namespace Prefix: invest_

Data Type: xbrli:monetaryItemType

Balance Type: na

Period Type: instant

X

- Definition
Fair value of liability associated with financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 20
-Section 55
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=36459792&loc=SL20226003-175313

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 20
-Section 50
-Paragraph 3
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=34720828&loc=SL20225862-175312

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 4B
-Subparagraph (a),(c)
-URI http://asc.fasb.org/extlink&oid=35706170&loc=SL5624163-113959
+ Details

Name: us-gaap_DerivativeAssetFairValueGrossLiability

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Fair value, after the effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets not subject to a master netting arrangement and not elected to be offset.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 20
-Section 50
-Paragraph 3
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=34720828&loc=SL20225862-175312

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 45
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6945355&loc=d3e41271-113958

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 10
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13433-108611

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 45
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=6945355&loc=d3e41228-113958

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13495-108611

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 20
-Section 55
-Paragraph 10
-URI http://asc.fasb.org/extlink&oid=36459792&loc=SL20226008-175313
+ Details

Name: us-gaap_DerivativeAssets

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value, before effects of master netting arrangements, of a financial asset or other contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes assets elected not to be offset. Excludes assets not subject to a master netting arrangement.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 4B
-Subparagraph (a),(c)
-URI http://asc.fasb.org/extlink&oid=35706170&loc=SL5624163-113959

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 20
-Section 50
-Paragraph 3
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=34720828&loc=SL20225862-175312

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 20
-Section 55
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=36459792&loc=SL20226000-175313
+ Details

Name: us-gaap_DerivativeFairValueOfDerivativeAsset

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Fair value, before effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities elected not to be offset. Excludes liabilities not subject to a master netting arrangement.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 4B
-Subparagraph (a),(c)
-URI http://asc.fasb.org/extlink&oid=35706170&loc=SL5624163-113959

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 20
-Section 50
-Paragraph 3
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=34720828&loc=SL20225862-175312

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 20
-Section 55
-Paragraph 7
-URI http://asc.fasb.org/extlink&oid=36459792&loc=SL20226000-175313
+ Details

Name: us-gaap_DerivativeFairValueOfDerivativeLiability

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Fair value, after the effects of master netting arrangements, of a financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset. Includes liabilities not subject to a master netting arrangement and not elected to be offset.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 20
-Section 55
-Paragraph 10
-URI http://asc.fasb.org/extlink&oid=36459792&loc=SL20226008-175313

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 15
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13495-108611

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 20
-Section 50
-Paragraph 3
-Subparagraph (c)
-URI http://asc.fasb.org/extlink&oid=34720828&loc=SL20225862-175312

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 825
-SubTopic 10
-Section 50
-Paragraph 10
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=35750535&loc=d3e13433-108611

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 45
-Paragraph 6
-URI http://asc.fasb.org/extlink&oid=6945355&loc=d3e41271-113958

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 45
-Paragraph 5
-URI http://asc.fasb.org/extlink&oid=6945355&loc=d3e41228-113958
+ Details

Name: us-gaap_DerivativeLiabilities

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: instant

X

- Definition
Fair value of asset associated with financial liability or contract with one or more underlyings, notional amount or payment provision or both, and the contract can be net settled by means outside the contract or delivery of an asset.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 20
-Section 55
-Paragraph 8
-URI http://asc.fasb.org/extlink&oid=36459792&loc=SL20226003-175313

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 20
-Section 50
-Paragraph 3
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=34720828&loc=SL20225862-175312

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 815
-SubTopic 10
-Section 50
-Paragraph 4B
-Subparagraph (a),(c)
-URI http://asc.fasb.org/extlink&oid=35706170&loc=SL5624163-113959
+ Details

Name: us-gaap_DerivativeLiabilityFairValueGrossAsset

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_DerivativeLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Details

Name: us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateContractMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_TransactionTypeAxis=us-gaap_LoanPurchaseCommitmentsMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_TransactionTypeAxis=us-gaap_ForwardContractsMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_CounterpartyNameAxis=tcbi_FinancialinstitutioncounterpartiesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_LoansReceivableMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateCapMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_CounterpartyNameAxis=tcbi_CustomercounterpartiesMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 113 R98.htm IDEA: XBRL DOCUMENT v3.3.1.900

Derivative Financial Instruments Derivative Financial Instruments (Details 2) - Non-hedging - Commercial loan/lease - Interest rate swap

Dec. 31, 2015

Dec. 31, 2014

Interest rate received

Derivative [Line Items]

Weighted average fixed interest rate 2.96% 2.79%

Interest rate paid

Derivative [Line Items]

Weighted average fixed interest rate 4.72% 4.82%

X

- Definition
Average fixed interest rate related to the group of interest rate derivatives.
+ References
No definition available.
+ Details

Name: us-gaap_DerivativeAverageFixedInterestRate

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_DerivativeLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Details

Name: us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_LoansReceivableMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateSwapMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: tcbi_InterestRateByTypeAxis=tcbi_InterestRateReceivedMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: tcbi_InterestRateByTypeAxis=tcbi_InterestRatePaidMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 114 R99.htm IDEA: XBRL DOCUMENT v3.3.1.900

Derivative Financial Instruments Derivative Financial Instruments (Details 3) - USD ($)
$ in Millions

Dec. 31, 2015

Dec. 31, 2014

Derivative [Line Items]

Cash collateral pledged for derivatives $ 37.1 $ 30.2

Non-hedging | Commercial loan/lease

Derivative [Line Items]

Credit risk exposure, net of collateral pledged, relating to derivatives $ 35.3 $ 31.2

Non-hedging | Interest rate cap | Commercial loan/lease

Derivative [Line Items]

Weighted average fixed interest rate 2.34% 1.44%

X

- Definition
The fair value of cash that serves as collateral for derivatives
+ References
No definition available.
+ Details

Name: tcbi_CashPledgedAsDerivativeCollateral

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Amount the entity is obligated to pay on the credit risk derivatives upon occurrence of a credit event.
+ References
No definition available.
+ Details

Name: tcbi_CreditRiskExposureNetOfCollateralPledgedOnCreditRiskDerivatives

Namespace Prefix: tcbi_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: instant

X

- Definition
Average fixed interest rate related to the group of interest rate derivatives.
+ References
No definition available.
+ Details

Name: us-gaap_DerivativeAverageFixedInterestRate

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: instant

X

- Definition
Line items represent financial concepts included in a table. These concepts are used to disclose reportable information associated with domain members defined in one or many axes to the table.
+ References
No definition available.
+ Details

Name: us-gaap_DerivativeLineItems

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Details

Name: us-gaap_HedgingDesignationAxis=us-gaap_NondesignatedMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis=us-gaap_LoansReceivableMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_DerivativeInstrumentRiskAxis=us-gaap_InterestRateCapMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 115 R100.htm IDEA: XBRL DOCUMENT v3.3.1.900

Stockholder's Equity (Details) - USD ($)
$ / shares in Units, $ in Thousands
1 Months Ended 12 Months Ended

Nov. 12, 2014

Mar. 28, 2013

Jan. 31, 2014

Mar. 28, 2013

Jan. 31, 2009

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Equity Distribution Agreement [Line Items]

Net proceeds from issuance of stock $ 256,223 $ 40

Number of warrants outstanding 581,500

Warrants, price per share $ 14.84

Dividend rate percentage of preferred stock 6.50%

Par value of preferred stock $ 0.01 $ 0.01 $ 0.01 $ 0.01

Liquidation preference per share $ 25 $ 25

Payments of dividends on preferred stock $ 9,750 $ 9,750 6,960

Net proceeds from issuance of preferred stock $ 145,000 $ 0 0 144,987

Repayments of short-term debt $ 15,000

Preferred Stock

Equity Distribution Agreement [Line Items]

Net proceeds from issuance of stock $ 75,000

Net proceeds from issuance of preferred stock 150,000

Issuance of stock - shares 6,000,000

Common Stock

Equity Distribution Agreement [Line Items]

Net proceeds from issuance of stock $ 149,600 $ 106,500 $ 44 $ 0

Issuance of stock - shares 2,500,000 1,900,000 4,398,128 36,339

X

- References
No definition available.
+ Details

Name: tcbi_EquityDistributionAgreementLineItems

Namespace Prefix: tcbi_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Exercise price per share or per unit of warrants or rights outstanding.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(i)(4))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690
+ Details

Name: us-gaap_ClassOfWarrantOrRightExercisePriceOfWarrantsOrRights1

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
Number of securities into which the class of warrant or right may be converted. For example, but not limited to, 500,000 warrants may be converted into 1,000,000 shares.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(i)(2))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph i
-Subparagraph 2
-Article 4
+ Details

Name: us-gaap_ClassOfWarrantOrRightNumberOfSecuritiesCalledByWarrantsOrRights

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: instant

X

- Definition
Amount of cash outflow in the form of ordinary dividends to preferred shareholders of the parent entity.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 15
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3291-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Financing Activities
-URI http://asc.fasb.org/extlink&oid=6513228
+ Details

Name: us-gaap_PaymentsOfDividendsPreferredStockAndPreferenceStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The percentage rate used to calculate dividend payments on preferred stock.
+ References
No definition available.
+ Details

Name: us-gaap_PreferredStockDividendRatePercentage

Namespace Prefix: us-gaap_

Data Type: num:percentItemType

Balance Type: na

Period Type: duration

X

- Definition
The per share liquidation preference (or restrictions) of nonredeemable preferred stock (or preferred stock redeemable solely at the option of the issuer) that has a preference in involuntary liquidation considerably in excess of the par or stated value of the shares. The liquidation preference is the difference between the preference in liquidation and the par or stated values of the share.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 3
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21475-112644

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 4
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21484-112644

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(d)(1))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 29
-Article 5

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph d
-Article 4
+ Details

Name: us-gaap_PreferredStockLiquidationPreference

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
Face amount or stated value per share of preferred stock nonredeemable or redeemable solely at the option of the issuer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 210
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.5-02.28)
-URI http://asc.fasb.org/extlink&oid=6877327&loc=d3e13212-122682

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 29
-Article 5
+ Details

Name: us-gaap_PreferredStockParOrStatedValuePerShare

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: instant

X

- Definition
Proceeds from issuance of capital stock which provides for a specific dividend that is paid to the shareholders before any dividends to common stockholders and which takes precedence over common stockholders in the event of liquidation.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 14
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3255-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Financing Activities
-URI http://asc.fasb.org/extlink&oid=6513228
+ Details

Name: us-gaap_ProceedsFromIssuanceOfPreferredStockAndPreferenceStock

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The cash outflow for a borrowing having initial term of repayment within one year or the normal operating cycle, if longer.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 15
-Subparagraph (b)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3291-108585

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Financing Activities
-URI http://asc.fasb.org/extlink&oid=6513228
+ Details

Name: us-gaap_RepaymentsOfShortTermDebt

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Number of new stock issued during the period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.3-04)
-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Article 3

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 29, 30
-Article 5
+ Details

Name: us-gaap_StockIssuedDuringPeriodSharesNewIssues

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- Definition
Equity impact of the value of new stock issued during the period. Includes shares issued in an initial public offering or a secondary public offering.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=6928386&loc=d3e21463-112644

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 505
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.3-04)
-URI http://asc.fasb.org/extlink&oid=27012166&loc=d3e187085-122770

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 02
-Paragraph 29, 30, 31
-Article 5

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Article 3
+ Details

Name: us-gaap_StockIssuedDuringPeriodValueNewIssues

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Details

Name: us-gaap_StatementEquityComponentsAxis=us-gaap_PreferredStockMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

X

- Details

Name: us-gaap_StatementEquityComponentsAxis=us-gaap_CommonStockMember

Namespace Prefix:

Data Type: na

Balance Type:

Period Type:

XML 116 R101.htm IDEA: XBRL DOCUMENT v3.3.1.900

Quarterly Financial Data (Details) - USD ($)
$ / shares in Units, $ in Thousands
3 Months Ended 12 Months Ended

Dec. 31, 2015

Sep. 30, 2015

Jun. 30, 2015

Mar. 31, 2015

Dec. 31, 2014

Sep. 30, 2014

Jun. 30, 2014

Mar. 31, 2014

Dec. 31, 2015

Dec. 31, 2014

Dec. 31, 2013

Selected Quarterly Financial Information [Abstract]

Interest income $ 154,820 $ 153,856 $ 153,374 $ 140,908 $ 137,833 $ 135,290 $ 124,813 $ 116,611 $ 602,958 $ 514,547 $ 444,625

Interest expense 12,632 11,808 11,089 10,899 10,251 9,629 9,406 8,296 46,428 37,582 25,112

Net interest income 142,188 142,048 142,285 130,009 127,582 125,661 115,407 108,315 556,530 476,965 419,513

Provision for credit losses 14,000 13,750 14,500 11,000 6,500 6,500 4,000 5,000 53,250 22,000 19,000

Net interest income after provision for credit losses 128,188 128,298 127,785 119,009 121,082 119,161 111,407 103,315 503,280 454,965 400,513

Non-interest income 11,320 11,380 12,771 12,267 11,226 10,396 10,533 10,356 47,738 42,511 44,024

Non-interest expense 87,042 81,688 81,276 76,517 74,117 71,915 69,765 69,317 326,523 285,114 256,729

Income before income taxes 52,466 57,990 59,280 54,759 58,191 57,642 52,175 44,354 224,495 212,362 187,808

Income tax expense 17,713 20,876 21,343 19,709 20,357 20,810 18,754 16,089 79,641 76,010 66,757

Net income 34,753 37,114 37,937 35,050 37,834 36,832 33,421 28,265 144,854 136,352 121,051

Preferred stock dividends 2,437 2,438 2,437 2,438 2,437 2,438 2,437 2,438 9,750 9,750 7,394

Net income available to common stockholders $ 32,316 $ 34,676 $ 35,500 $ 32,612 $ 35,397 $ 34,394 $ 30,984 $ 25,827 $ 135,104 $ 126,602 $ 113,657

Basic earnings per share:

Basic earnings per common share $ 0.70 $ 0.76 $ 0.78 $ 0.71 $ 0.80 $ 0.80 $ 0.72 $ 0.61 $ 2.95 $ 2.93 $ 2.78

Diluted earnings per share:

Diluted earnings per common share $ 0.70 $ 0.75 $ 0.76 $ 0.70 $ 0.78 $ 0.78 $ 0.71 $ 0.60 $ 2.91 $ 2.88 $ 2.72

Average shares

Basic 45,856,000 45,828,000 45,790,000 45,759,000 44,406,000 43,144,000 43,075,000 42,298,000 45,808,440 43,236,344 40,864,225

Diluted 46,480,000 46,471,000 46,443,000 46,368,000 45,093,000 43,850,000 43,845,000 43,220,000 46,437,872 44,003,256 41,779,881

X

- Definition
The amount of net income (loss) for the period per each share of common stock or unit outstanding during the reporting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.21)
-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 55
-Paragraph 52
-URI http://asc.fasb.org/extlink&oid=32703322&loc=d3e4984-109258

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1252-109256

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.19)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.23)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 18
-Article 7

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 20
-Article 5

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 21
-Article 9
+ Details

Name: us-gaap_EarningsPerShareBasic

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_EarningsPerShareBasicAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The amount of net income (loss) for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.21)
-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1252-109256

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 18
-Article 7

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 20
-Article 5

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 21
-Article 9
+ Details

Name: us-gaap_EarningsPerShareDiluted

Namespace Prefix: us-gaap_

Data Type: num:perShareItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_EarningsPerShareDilutedAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
This element represents the income or loss from continuing operations attributable to the economic entity which may also be defined as revenue less expenses from ongoing operations, after income or loss from equity method investments, but before income taxes, extraordinary items, and noncontrolling interest.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 940
-SubTopic 20
-Section 25
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=35710027&loc=d3e41242-110953

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 10
-Article 5
+ Details

Name: us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesExtraordinaryItemsNoncontrollingInterest

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of current income tax expense (benefit) and deferred income tax expense (benefit) pertaining to continuing operations.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 740
-SubTopic 10
-Section 50
-Paragraph 9
-Subparagraph (a),(b)
-URI http://asc.fasb.org/extlink&oid=6907707&loc=d3e32639-109319

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 235
-SubTopic 10
-Section S99
-Paragraph 1
-Subparagraph (SX 210.4-08.(h))
-URI http://asc.fasb.org/extlink&oid=26873400&loc=d3e23780-122690

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Income Tax Expense (or Benefit)
-URI http://asc.fasb.org/extlink&oid=6515339

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 08
-Paragraph h
-Article 4
+ Details

Name: us-gaap_IncomeTaxExpenseBenefit

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Represents the total of interest and dividend income, including any amortization and accretion (as applicable) of discounts and premiums, earned from (1) loans and leases whether held-for-sale or held-in-portfolio; (2) investment securities; (3) federal funds sold; (4) securities purchased under agreements to resell; (5) investments in banker's acceptances, commercial paper, or certificates of deposit; (6) dividend income; or (7) other investments not otherwise specified herein.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.1-5)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 1, 2 , 3, 4, 5
-Article 9
+ Details

Name: us-gaap_InterestAndDividendIncomeOperating

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Amount of the cost of borrowed funds accounted for as interest expense.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 835
-SubTopic 20
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6450988&loc=d3e26243-108391

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.9)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 9
-Article 9
+ Details

Name: us-gaap_InterestExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of interest income or expense, including any amortization and accretion (as applicable) of discounts and premiums, including consideration of the provisions for loan, lease, credit, and other related losses.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.12)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 12
-Article 9
+ Details

Name: us-gaap_InterestIncomeExpenseAfterProvisionForLoanLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The net amount of operating interest income (expense).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.10)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 10
-Article 9
+ Details

Name: us-gaap_InterestIncomeExpenseNet

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Net Income
-URI http://asc.fasb.org/extlink&oid=6518256

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.19)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 5: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 225
-SubTopic 10
-Section S99
-Paragraph 2
-Subparagraph (SX 210.5-03.18)
-URI http://asc.fasb.org/extlink&oid=26872669&loc=d3e20235-122688

Reference 6: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 944
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.7-04.22)
-URI http://asc.fasb.org/extlink&oid=6879464&loc=d3e573970-122913

Reference 7: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Other Comprehensive Income
-URI http://asc.fasb.org/extlink&oid=6519514

Reference 8: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 03
-Paragraph 19
-Article 5

Reference 9: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 20
-Article 9
+ Details

Name: us-gaap_NetIncomeLoss

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Net income after adjustments for dividends on preferred stock (declared in the period) and/or cumulative preferred stock (accumulated for the period).
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 11
-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1377-109256
+ Details

Name: us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
Total aggregate amount of all noninterest expense.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.14)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 14
-Article 9
+ Details

Name: us-gaap_NoninterestExpense

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
The total amount of noninterest income which may be derived from: (1) fees and commissions; (2) premiums earned; (3) insurance policy charges; (4) the sale or disposal of assets; and (5) other sources not otherwise specified.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.13)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 13
-Article 9
+ Details

Name: us-gaap_NoninterestIncome

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: credit

Period Type: duration

X

- Definition
The amount of preferred stock dividends that is an adjustment to net income apportioned to common stockholders.
+ References
No definition available.
+ Details

Name: us-gaap_PreferredStockDividendsIncomeStatementImpact

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- Definition
Amount of expense related loan transactions, lease transactions, credit loss from transactions other than loan and lease transactions, and other loss based on assessment of uncollectability from the counterparty to reduce the account to their net realizable value.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 310
-SubTopic 10
-Section 50
-Paragraph 11B
-Subparagraph (c)(2)
-URI http://asc.fasb.org/extlink&oid=35738203&loc=SL6953423-111524

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 942
-SubTopic 225
-Section S99
-Paragraph 1
-Subparagraph (SX 210.9-04.11)
-URI http://asc.fasb.org/extlink&oid=6879574&loc=d3e536633-122882

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 230
-SubTopic 10
-Section 45
-Paragraph 28
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=31042434&loc=d3e3602-108585

Reference 4: http://www.xbrl.org/2003/role/presentationRef
-Publisher SEC
-Name Regulation S-X (SX)
-Number 210
-Section 04
-Paragraph 11
-Article 9
+ Details

Name: us-gaap_ProvisionForLoanLeaseAndOtherLosses

Namespace Prefix: us-gaap_

Data Type: xbrli:monetaryItemType

Balance Type: debit

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_SelectedQuarterlyFinancialInformationAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 16
-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1505-109256

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257
+ Details

Name: us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

X

- References
No definition available.
+ Details

Name: us-gaap_WeightedAverageNumberOfSharesOutstandingAbstract

Namespace Prefix: us-gaap_

Data Type: xbrli:stringItemType

Balance Type: na

Period Type: duration

X

- Definition
Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.
+ References
Reference 1: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 50
-Paragraph 1
-Subparagraph (a)
-URI http://asc.fasb.org/extlink&oid=6371337&loc=d3e3550-109257

Reference 2: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 260
-SubTopic 10
-Section 45
-Paragraph 10
-URI http://asc.fasb.org/extlink&oid=7655603&loc=d3e1448-109256

Reference 3: http://www.xbrl.org/2003/role/presentationRef
-Publisher FASB
-Name Accounting Standards Codification
-Glossary Weighted-Average Number of Common Shares Outstanding
-URI http://asc.fasb.org/extlink&oid=6528421
+ Details

Name: us-gaap_WeightedAverageNumberOfSharesOutstandingBasic

Namespace Prefix: us-gaap_

Data Type: xbrli:sharesItemType

Balance Type: na

Period Type: duration

EXCEL 117 Financial_Report.xlsx IDEA: XBRL DOCUMENT begin 644 Financial_Report.xlsx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end XML 118 Show.js IDEA: XBRL DOCUMENT /** * Rivet Software Inc. * * @copyright Copyright (c) 2006-2011 Rivet Software, Inc. All rights reserved. * Version 2.4.0.3 * */ var Show = {}; Show.LastAR = null, Show.hideAR = function(){ Show.LastAR.style.display = 'none'; }; Show.showAR = function ( link, id, win ){ if( Show.LastAR ){ Show.hideAR(); } var ref = link; do { ref = ref.nextSibling; } while (ref && ref.nodeName != 'TABLE'); if (!ref || ref.nodeName != 'TABLE') { var tmp = win ? win.document.getElementById(id) : document.getElementById(id); if( tmp ){ ref = tmp.cloneNode(true); ref.id = ''; link.parentNode.appendChild(ref); } } if( ref ){ ref.style.display = 'block'; Show.LastAR = ref; } }; Show.toggleNext = function( link ){ var ref = link; do{ ref = ref.nextSibling; }while( ref.nodeName != 'DIV' ); if( ref.style && ref.style.display && ref.style.display == 'none' ){ ref.style.display = 'block'; if( link.textContent ){ link.textContent = link.textContent.replace( '+', '-' ); }else{ link.innerText = link.innerText.replace( '+', '-' ); } }else{ ref.style.display = 'none'; if( link.textContent ){ link.textContent = link.textContent.replace( '-', '+' ); }else{ link.innerText = link.innerText.replace( '-', '+' ); } } }; XML 119 report.css IDEA: XBRL DOCUMENT /* Updated 2009-11-04 */ /* v2.2.0.24 */ /* DefRef Styles */ ..report table.authRefData{ background-color: #def; border: 2px solid #2F4497; font-size: 1em; position: absolute; } ..report table.authRefData a { display: block; font-weight: bold; } ..report table.authRefData p { margin-top: 0px; } ..report table.authRefData .hide { background-color: #2F4497; padding: 1px 3px 0px 0px; text-align: right; } ..report table.authRefData .hide a:hover { background-color: #2F4497; } ..report table.authRefData .body { height: 150px; overflow: auto; width: 400px; } ..report table.authRefData table{ font-size: 1em; } /* Report Styles */ ..pl a, .pl a:visited { color: black; text-decoration: none; } /* table */ ..report { background-color: white; border: 2px solid #acf; clear: both; color: black; font: normal 8pt Helvetica, Arial, san-serif; margin-bottom: 2em; } ..report hr { border: 1px solid #acf; } /* Top labels */ ..report th { background-color: #acf; color: black; font-weight: bold; text-align: center; } ..report th.void { background-color: transparent; color: #000000; font: bold 10pt Helvetica, Arial, san-serif; text-align: left; } ..report .pl { text-align: left; vertical-align: top; white-space: normal; width: 200px; white-space: normal; /* word-wrap: break-word; */ } ..report td.pl a.a { cursor: pointer; display: block; width: 200px; overflow: hidden; } ..report td.pl div.a { width: 200px; } ..report td.pl a:hover { background-color: #ffc; } /* Header rows... */ ..report tr.rh { background-color: #acf; color: black; font-weight: bold; } /* Calendars... */ ..report .rc { background-color: #f0f0f0; } /* Even rows... */ ..report .re, .report .reu { background-color: #def; } ..report .reu td { border-bottom: 1px solid black; } /* Odd rows... */ ..report .ro, .report .rou { background-color: white; } ..report .rou td { border-bottom: 1px solid black; } ..report .rou table td, .report .reu table td { border-bottom: 0px solid black; } /* styles for footnote marker */ ..report .fn { white-space: nowrap; } /* styles for numeric types */ ..report .num, .report .nump { text-align: right; white-space: nowrap; } ..report .nump { padding-left: 2em; } ..report .nump { padding: 0px 0.4em 0px 2em; } /* styles for text types */ ..report .text { text-align: left; white-space: normal; } ..report .text .big { margin-bottom: 1em; width: 17em; } ..report .text .more { display: none; } ..report .text .note { font-style: italic; font-weight: bold; } ..report .text .small { width: 10em; } ..report sup { font-style: italic; } ..report .outerFootnotes { font-size: 1em; } XML 121 FilingSummary.xml IDEA: XBRL DOCUMENT 3.3.1.900 html 328 533 1 false 91 0 false 6 false false R1.htm 0001000 - Document - Document and Entity Information Sheet http://texascapitalbank.com/role/DocumentAndEntityInformation Document and Entity Information Cover 1 false false R2.htm 1001000 - Statement - CONSOLIDATED BALANCE SHEETS Sheet http://texascapitalbank.com/role/ConsolidatedBalanceSheets CONSOLIDATED BALANCE SHEETS Statements 2 false false R3.htm 1001501 - Statement - CONSOLIDATED BALANCE SHEETS (Parenthetical) Sheet http://texascapitalbank.com/role/ConsolidatedBalanceSheetsParenthetical CONSOLIDATED BALANCE SHEETS (Parenthetical) Statements 3 false false R4.htm 1002000 - Statement - CONSOLIDATED STATEMENTS OF INCOME AND OTHER COMPREHENSIVE INCOME Sheet http://texascapitalbank.com/role/ConsolidatedStatementsOfIncomeAndOtherComprehensiveIncome CONSOLIDATED STATEMENTS OF INCOME AND OTHER COMPREHENSIVE INCOME Statements 4 false false R5.htm 1003000 - Statement - CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY Sheet http://texascapitalbank.com/role/ConsolidatedStatementsOfStockholdersEquity CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY Statements 5 false false R6.htm 1003501 - Statement - CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (Parenthetical) Sheet http://texascapitalbank.com/role/ConsolidatedStatementsOfStockholdersEquityParenthetical CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY (Parenthetical) Statements 6 false false R7.htm 1004000 - Statement - CONSOLIDATED STATEMENTS OF CASH FLOWS Sheet http://texascapitalbank.com/role/ConsolidatedStatementsOfCashFlows CONSOLIDATED STATEMENTS OF CASH FLOWS Statements 7 false false R8.htm 2101100 - Disclosure - Operations and Summary of Significant Accounting Policies Sheet http://texascapitalbank.com/role/OperationsAndSummaryOfSignificantAccountingPolicies Operations and Summary of Significant Accounting Policies Notes 8 false false R9.htm 2102100 - Disclosure - Securities Sheet http://texascapitalbank.com/role/Securities Securities Notes 9 false false R10.htm 2103100 - Disclosure - Loans and Allowance for Credit Losses Sheet http://texascapitalbank.com/role/LoansAndAllowanceForCreditLosses Loans and Allowance for Credit Losses Notes 10 false false R11.htm 2105100 - Disclosure - OREO and Valuation Allowance for Losses on OREO Sheet http://texascapitalbank.com/role/OreoAndValuationAllowanceForLossesOnOreo OREO and Valuation Allowance for Losses on OREO Notes 11 false false R12.htm 2106100 - Disclosure - Certain Transfers of Financial Assets Sheet http://texascapitalbank.com/role/CertainTransfersOfFinancialAssets Certain Transfers of Financial Assets Notes 12 false false R13.htm 2107100 - Disclosure - Goodwill and Other Intangible Assets Sheet http://texascapitalbank.com/role/GoodwillAndOtherIntangibleAssets Goodwill and Other Intangible Assets Notes 13 false false R14.htm 2108100 - Disclosure - Premises and Equipment Sheet http://texascapitalbank.com/role/PremisesAndEquipment Premises and Equipment Notes 14 false false R15.htm 2109100 - Disclosure - Deposits Sheet http://texascapitalbank.com/role/Deposits Deposits Notes 15 false false R16.htm 2110100 - Disclosure - Borrowing Arrangements Sheet http://texascapitalbank.com/role/BorrowingArrangements Borrowing Arrangements Notes 16 false false R17.htm 2112100 - Disclosure - Long-Term Debt Sheet http://texascapitalbank.com/role/LongTermDebt Long-Term Debt Notes 17 false false R18.htm 2113100 - Disclosure - Income Taxes Sheet http://texascapitalbank.com/role/IncomeTaxes Income Taxes Notes 18 false false R19.htm 2114100 - Disclosure - Employee Benefits Sheet http://texascapitalbank.com/role/EmployeeBenefits Employee Benefits Notes 19 false false R20.htm 2115100 - Disclosure - Financial Instruments with Off-Balance Sheet Risk Sheet http://texascapitalbank.com/role/FinancialInstrumentsWithOffBalanceSheetRisk Financial Instruments with Off-Balance Sheet Risk Notes 20 false false R21.htm 2116100 - Disclosure - Regulatory Restrictions Sheet http://texascapitalbank.com/role/RegulatoryRestrictions Regulatory Restrictions Notes 21 false false R22.htm 2117100 - Disclosure - Earnings Per Share Sheet http://texascapitalbank.com/role/EarningsPerShare Earnings Per Share Notes 22 false false R23.htm 2118100 - Disclosure - Fair Value Disclosures Sheet http://texascapitalbank.com/role/FairValueDisclosures Fair Value Disclosures Notes 23 false false R24.htm 2119100 - Disclosure - Commitments and Contingencies Sheet http://texascapitalbank.com/role/CommitmentsAndContingencies Commitments and Contingencies Notes 24 false false R25.htm 2120100 - Disclosure - Parent Company Only Sheet http://texascapitalbank.com/role/ParentCompanyOnly Parent Company Only Notes 25 false false R26.htm 2122100 - Disclosure - Related Party Transactions Sheet http://texascapitalbank.com/role/RelatedPartyTransactions Related Party Transactions Notes 26 false false R27.htm 2123100 - Disclosure - Derivative Financial Instruments Sheet http://texascapitalbank.com/role/DerivativeFinancialInstruments Derivative Financial Instruments Notes 27 false false R28.htm 2124100 - Disclosure - Stockholder's Equity Sheet http://texascapitalbank.com/role/StockholdersEquity Stockholder's Equity Notes 28 false false R29.htm 2127100 - Disclosure - Quarterly Financial Data Sheet http://texascapitalbank.com/role/QuarterlyFinancialData Quarterly Financial Data Notes 29 false false R30.htm 2128100 - Disclosure - New Accounting Standards Sheet http://texascapitalbank.com/role/NewAccountingStandards New Accounting Standards Notes 30 false false R31.htm 2201201 - Disclosure - Operations and Summary of Significant Accounting Policies (Policies) Sheet http://texascapitalbank.com/role/OperationsAndSummaryOfSignificantAccountingPoliciesPolicies Operations and Summary of Significant Accounting Policies (Policies) Policies http://texascapitalbank.com/role/OperationsAndSummaryOfSignificantAccountingPolicies 31 false false R32.htm 2302301 - Disclosure - Securities (Tables) Sheet http://texascapitalbank.com/role/SecuritiesTables Securities (Tables) Tables http://texascapitalbank.com/role/Securities 32 false false R33.htm 2303301 - Disclosure - Loans and Allowance for Credit Losses (Tables) Sheet http://texascapitalbank.com/role/LoansAndAllowanceForCreditLossesTables Loans and Allowance for Credit Losses (Tables) Tables http://texascapitalbank.com/role/LoansAndAllowanceForCreditLosses 33 false false R34.htm 2305301 - Disclosure - OREO and Valuation Allowance for Losses on OREO (Tables) Sheet http://texascapitalbank.com/role/OreoAndValuationAllowanceForLossesOnOreoTables OREO and Valuation Allowance for Losses on OREO (Tables) Tables http://texascapitalbank.com/role/OreoAndValuationAllowanceForLossesOnOreo 34 false false R35.htm 2306301 - Disclosure - Certain Transfers of Financial Assets (Tables) Sheet http://texascapitalbank.com/role/CertainTransfersOfFinancialAssetsTables Certain Transfers of Financial Assets (Tables) Tables http://texascapitalbank.com/role/CertainTransfersOfFinancialAssets 35 false false R36.htm 2307301 - Disclosure - Goodwill and Other Intangible Assets (Tables) Sheet http://texascapitalbank.com/role/GoodwillAndOtherIntangibleAssetsTables Goodwill and Other Intangible Assets (Tables) Tables http://texascapitalbank.com/role/GoodwillAndOtherIntangibleAssets 36 false false R37.htm 2308301 - Disclosure - Premises and Equipment (Tables) Sheet http://texascapitalbank.com/role/PremisesAndEquipmentTables Premises and Equipment (Tables) Tables http://texascapitalbank.com/role/PremisesAndEquipment 37 false false R38.htm 2309301 - Disclosure - Deposits (Tables) Sheet http://texascapitalbank.com/role/DepositsTables Deposits (Tables) Tables http://texascapitalbank.com/role/Deposits 38 false false R39.htm 2310301 - Disclosure - Borrowing Arrangements (Tables) Sheet http://texascapitalbank.com/role/BorrowingArrangementsTables Borrowing Arrangements (Tables) Tables http://texascapitalbank.com/role/BorrowingArrangements 39 false false R40.htm 2312301 - Disclosure - Long-Term Debt (Tables) Sheet http://texascapitalbank.com/role/LongTermDebtTables Long-Term Debt (Tables) Tables http://texascapitalbank.com/role/LongTermDebt 40 false false R41.htm 2313301 - Disclosure - Income Taxes (Tables) Sheet http://texascapitalbank.com/role/IncomeTaxesTables Income Taxes (Tables) Tables http://texascapitalbank.com/role/IncomeTaxes 41 false false R42.htm 2314301 - Disclosure - Employee Benefits (Tables) Sheet http://texascapitalbank.com/role/EmployeeBenefitsTables Employee Benefits (Tables) Tables http://texascapitalbank.com/role/EmployeeBenefits 42 false false R43.htm 2315301 - Disclosure - Financial Instruments with Off-Balance Sheet Risk (Tables) Sheet http://texascapitalbank.com/role/FinancialInstrumentsWithOffBalanceSheetRiskTables Financial Instruments with Off-Balance Sheet Risk (Tables) Tables http://texascapitalbank.com/role/FinancialInstrumentsWithOffBalanceSheetRisk 43 false false R44.htm 2316301 - Disclosure - Regulatory Restrictions (Tables) Sheet http://texascapitalbank.com/role/RegulatoryRestrictionsTables Regulatory Restrictions (Tables) Tables http://texascapitalbank.com/role/RegulatoryRestrictions 44 false false R45.htm 2317301 - Disclosure - Earnings Per Share (Tables) Sheet http://texascapitalbank.com/role/EarningsPerShareTables Earnings Per Share (Tables) Tables http://texascapitalbank.com/role/EarningsPerShare 45 false false R46.htm 2318301 - Disclosure - Fair Value Disclosures (Tables) Sheet http://texascapitalbank.com/role/FairValueDisclosuresTables Fair Value Disclosures (Tables) Tables http://texascapitalbank.com/role/FairValueDisclosures 46 false false R47.htm 2319301 - Disclosure - Commitments and Contingencies (Tables) Sheet http://texascapitalbank.com/role/CommitmentsAndContingenciesTables Commitments and Contingencies (Tables) Tables http://texascapitalbank.com/role/CommitmentsAndContingencies 47 false false R48.htm 2320301 - Disclosure - Parent Company Only (Tables) Sheet http://texascapitalbank.com/role/ParentCompanyOnlyTables Parent Company Only (Tables) Tables http://texascapitalbank.com/role/ParentCompanyOnly 48 false false R49.htm 2323301 - Disclosure - Derivative Financial Instruments (Tables) Sheet http://texascapitalbank.com/role/DerivativeFinancialInstrumentsTables Derivative Financial Instruments (Tables) Tables http://texascapitalbank.com/role/DerivativeFinancialInstruments 49 false false R50.htm 2327301 - Disclosure - Quarterly Financial Data (Tables) Sheet http://texascapitalbank.com/role/QuarterlyFinancialDataTables Quarterly Financial Data (Tables) Tables http://texascapitalbank.com/role/QuarterlyFinancialData 50 false false R51.htm 2402402 - Disclosure - Securities (Details) Sheet http://texascapitalbank.com/role/SecuritiesDetails Securities (Details) Details http://texascapitalbank.com/role/SecuritiesTables 51 false false R52.htm 2402403 - Disclosure - Securities (Details 1) Sheet http://texascapitalbank.com/role/SecuritiesDetails1 Securities (Details 1) Details http://texascapitalbank.com/role/SecuritiesTables 52 false false R53.htm 2402404 - Disclosure - Securities (Details 2) Sheet http://texascapitalbank.com/role/SecuritiesDetails2 Securities (Details 2) Details http://texascapitalbank.com/role/SecuritiesTables 53 false false R54.htm 2403402 - Disclosure - Loans and Allowance for Credit Losses (Details) Sheet http://texascapitalbank.com/role/LoansAndAllowanceForCreditLossesDetails Loans and Allowance for Credit Losses (Details) Details http://texascapitalbank.com/role/LoansAndAllowanceForCreditLossesTables 54 false false R55.htm 2403403 - Disclosure - Loans and Allowance for Credit Losses (Details 1) Sheet http://texascapitalbank.com/role/LoansAndAllowanceForCreditLossesDetails1 Loans and Allowance for Credit Losses (Details 1) Details http://texascapitalbank.com/role/LoansAndAllowanceForCreditLossesTables 55 false false R56.htm 2403404 - Disclosure - Loans and Allowance for Credit Losses (Details 2) Sheet http://texascapitalbank.com/role/LoansAndAllowanceForCreditLossesDetails2 Loans and Allowance for Credit Losses (Details 2) Details http://texascapitalbank.com/role/LoansAndAllowanceForCreditLossesTables 56 false false R57.htm 2403405 - Disclosure - Loans and Allowance for Credit Losses (Details 3) Sheet http://texascapitalbank.com/role/LoansAndAllowanceForCreditLossesDetails3 Loans and Allowance for Credit Losses (Details 3) Details http://texascapitalbank.com/role/LoansAndAllowanceForCreditLossesTables 57 false false R58.htm 2403406 - Disclosure - Loans and Allowance for Credit Losses (Details 4) Sheet http://texascapitalbank.com/role/LoansAndAllowanceForCreditLossesDetails4 Loans and Allowance for Credit Losses (Details 4) Details http://texascapitalbank.com/role/LoansAndAllowanceForCreditLossesTables 58 false false R59.htm 2403407 - Disclosure - Loans and Allowance for Credit Losses (Details 5) Sheet http://texascapitalbank.com/role/LoansAndAllowanceForCreditLossesDetails5 Loans and Allowance for Credit Losses (Details 5) Details http://texascapitalbank.com/role/LoansAndAllowanceForCreditLossesTables 59 false false R60.htm 2403408 - Disclosure - Loans and Allowance for Credit Losses (Details 6) Sheet http://texascapitalbank.com/role/LoansAndAllowanceForCreditLossesDetails6 Loans and Allowance for Credit Losses (Details 6) Details http://texascapitalbank.com/role/LoansAndAllowanceForCreditLossesTables 60 false false R61.htm 2403409 - Disclosure - Loans and Allowance for Credit Losses (Details 7) Sheet http://texascapitalbank.com/role/LoansAndAllowanceForCreditLossesDetails7 Loans and Allowance for Credit Losses (Details 7) Details http://texascapitalbank.com/role/LoansAndAllowanceForCreditLossesTables 61 false false R62.htm 2403410 - Disclosure - Loans and Allowance for Credit Losses (Details 8) Sheet http://texascapitalbank.com/role/LoansAndAllowanceForCreditLossesDetails8 Loans and Allowance for Credit Losses (Details 8) Details http://texascapitalbank.com/role/LoansAndAllowanceForCreditLossesTables 62 false false R63.htm 2405402 - Disclosure - OREO and Valuation Allowance for Losses on OREO (Details) Sheet http://texascapitalbank.com/role/OreoAndValuationAllowanceForLossesOnOreoDetails OREO and Valuation Allowance for Losses on OREO (Details) Details http://texascapitalbank.com/role/OreoAndValuationAllowanceForLossesOnOreoTables 63 false false R64.htm 2406402 - Disclosure - Certain Transfers of Financial Assets (Details) Sheet http://texascapitalbank.com/role/CertainTransfersOfFinancialAssetsDetails Certain Transfers of Financial Assets (Details) Details http://texascapitalbank.com/role/CertainTransfersOfFinancialAssetsTables 64 false false R65.htm 2406403 - Disclosure - Certain Transfers of Financial Assets (Details 1) Sheet http://texascapitalbank.com/role/CertainTransfersOfFinancialAssetsDetails1 Certain Transfers of Financial Assets (Details 1) Details http://texascapitalbank.com/role/CertainTransfersOfFinancialAssetsTables 65 false false R66.htm 2406404 - Disclosure - Certain Transfers of Financial Assets (Details 2) Sheet http://texascapitalbank.com/role/CertainTransfersOfFinancialAssetsDetails2 Certain Transfers of Financial Assets (Details 2) Details http://texascapitalbank.com/role/CertainTransfersOfFinancialAssetsTables 66 false false R67.htm 2406405 - Disclosure - Certain Transfers of Financial Assets (Details 3) Sheet http://texascapitalbank.com/role/CertainTransfersOfFinancialAssetsDetails3 Certain Transfers of Financial Assets (Details 3) Details http://texascapitalbank.com/role/CertainTransfersOfFinancialAssetsTables 67 false false R68.htm 2407402 - Disclosure - Goodwill and Other Intangible Assets (Details) Sheet http://texascapitalbank.com/role/GoodwillAndOtherIntangibleAssetsDetails Goodwill and Other Intangible Assets (Details) Details http://texascapitalbank.com/role/GoodwillAndOtherIntangibleAssetsTables 68 false false R69.htm 2407403 - Disclosure - Goodwill and Other Intangible Assets (Details 1) Sheet http://texascapitalbank.com/role/GoodwillAndOtherIntangibleAssetsDetails1 Goodwill and Other Intangible Assets (Details 1) Details http://texascapitalbank.com/role/GoodwillAndOtherIntangibleAssetsTables 69 false false R70.htm 2407404 - Disclosure - Goodwill and Other Intangible Assets (Details 2) Sheet http://texascapitalbank.com/role/GoodwillAndOtherIntangibleAssetsDetails2 Goodwill and Other Intangible Assets (Details 2) Details http://texascapitalbank.com/role/GoodwillAndOtherIntangibleAssetsTables 70 false false R71.htm 2408402 - Disclosure - Premises and Equipment (Details) Sheet http://texascapitalbank.com/role/PremisesAndEquipmentDetails Premises and Equipment (Details) Details http://texascapitalbank.com/role/PremisesAndEquipmentTables 71 false false R72.htm 2409402 - Disclosure - Deposits (Details) Sheet http://texascapitalbank.com/role/DepositsDetails Deposits (Details) Details http://texascapitalbank.com/role/DepositsTables 72 false false R73.htm 2409403 - Disclosure - Deposits (Details 1) Sheet http://texascapitalbank.com/role/DepositsDetails1 Deposits (Details 1) Details http://texascapitalbank.com/role/DepositsTables 73 false false R74.htm 2409404 - Disclosure - Deposits (Details 2) Sheet http://texascapitalbank.com/role/DepositsDetails2 Deposits (Details 2) Details http://texascapitalbank.com/role/DepositsTables 74 false false R75.htm 2410402 - Disclosure - Borrowing Arrangements (Details) Sheet http://texascapitalbank.com/role/BorrowingArrangementsDetails Borrowing Arrangements (Details) Details http://texascapitalbank.com/role/BorrowingArrangementsTables 75 false false R76.htm 2410403 - Disclosure - Borrowing Arrangements (Details 1) Sheet http://texascapitalbank.com/role/BorrowingArrangementsDetails1 Borrowing Arrangements (Details 1) Details http://texascapitalbank.com/role/BorrowingArrangementsTables 76 false false R77.htm 2410404 - Disclosure - Borrowing Arrangements (Details 2) Sheet http://texascapitalbank.com/role/BorrowingArrangementsDetails2 Borrowing Arrangements (Details 2) Details http://texascapitalbank.com/role/BorrowingArrangementsTables 77 false false R78.htm 2412402 - Disclosure - Long-Term Debt (Details) Sheet http://texascapitalbank.com/role/LongTermDebtDetails Long-Term Debt (Details) Details http://texascapitalbank.com/role/LongTermDebtTables 78 false false R79.htm 2412403 - Disclosure - Long-Term Debt (Details 1) Sheet http://texascapitalbank.com/role/LongTermDebtDetails1 Long-Term Debt (Details 1) Details http://texascapitalbank.com/role/LongTermDebtTables 79 false false R80.htm 2413402 - Disclosure - Income Taxes (Details) Sheet http://texascapitalbank.com/role/IncomeTaxesDetails Income Taxes (Details) Details http://texascapitalbank.com/role/IncomeTaxesTables 80 false false R81.htm 2413403 - Disclosure - Income Taxes (Details 1) Sheet http://texascapitalbank.com/role/IncomeTaxesDetails1 Income Taxes (Details 1) Details http://texascapitalbank.com/role/IncomeTaxesTables 81 false false R82.htm 2414402 - Disclosure - Employee Benefits (Details) Sheet http://texascapitalbank.com/role/EmployeeBenefitsDetails Employee Benefits (Details) Details http://texascapitalbank.com/role/EmployeeBenefitsTables 82 false false R83.htm 2414403 - Disclosure - Employee Benefits (Details 1) Sheet http://texascapitalbank.com/role/EmployeeBenefitsDetails1 Employee Benefits (Details 1) Details http://texascapitalbank.com/role/EmployeeBenefitsTables 83 false false R84.htm 2414404 - Disclosure - Employee Benefits (Details 2) Sheet http://texascapitalbank.com/role/EmployeeBenefitsDetails2 Employee Benefits (Details 2) Details http://texascapitalbank.com/role/EmployeeBenefitsTables 84 false false R85.htm 2414405 - Disclosure - Employee Benefits (Details 3) Sheet http://texascapitalbank.com/role/EmployeeBenefitsDetails3 Employee Benefits (Details 3) Details http://texascapitalbank.com/role/EmployeeBenefitsTables 85 false false R86.htm 2414406 - Disclosure - Employee Benefits (Details 4) Sheet http://texascapitalbank.com/role/EmployeeBenefitsDetails4 Employee Benefits (Details 4) Details http://texascapitalbank.com/role/EmployeeBenefitsTables 86 false false R87.htm 2415402 - Disclosure - Financial Instruments with Off-Balance Sheet Risk (Details) Sheet http://texascapitalbank.com/role/FinancialInstrumentsWithOffBalanceSheetRiskDetails Financial Instruments with Off-Balance Sheet Risk (Details) Details http://texascapitalbank.com/role/FinancialInstrumentsWithOffBalanceSheetRiskTables 87 false false R88.htm 2416402 - Disclosure - Regulatory Restrictions (Details) Sheet http://texascapitalbank.com/role/RegulatoryRestrictionsDetails Regulatory Restrictions (Details) Details http://texascapitalbank.com/role/RegulatoryRestrictionsTables 88 false false R89.htm 2417402 - Disclosure - Earnings Per Share (Details) Sheet http://texascapitalbank.com/role/EarningsPerShareDetails Earnings Per Share (Details) Details http://texascapitalbank.com/role/EarningsPerShareTables 89 false false R90.htm 2418402 - Disclosure - Fair Value Disclosures (Details) Sheet http://texascapitalbank.com/role/FairValueDisclosuresDetails Fair Value Disclosures (Details) Details http://texascapitalbank.com/role/FairValueDisclosuresTables 90 false false R91.htm 2418403 - Disclosure - Fair Value Disclosures (Details 1) Sheet http://texascapitalbank.com/role/FairValueDisclosuresDetails1 Fair Value Disclosures (Details 1) Details http://texascapitalbank.com/role/FairValueDisclosuresTables 91 false false R92.htm 2418404 - Disclosure - Fair Value Disclosures (Details 2) Sheet http://texascapitalbank.com/role/FairValueDisclosuresDetails2 Fair Value Disclosures (Details 2) Details http://texascapitalbank.com/role/FairValueDisclosuresTables 92 false false R93.htm 2419402 - Disclosure - Commitments and Contingencies (Details) Sheet http://texascapitalbank.com/role/CommitmentsAndContingenciesDetails Commitments and Contingencies (Details) Details http://texascapitalbank.com/role/CommitmentsAndContingenciesTables 93 false false R94.htm 2420402 - Disclosure - Parent Company Only (Details) Sheet http://texascapitalbank.com/role/ParentCompanyOnlyDetails Parent Company Only (Details) Details http://texascapitalbank.com/role/ParentCompanyOnlyTables 94 false false R95.htm 2420403 - Disclosure - Parent Company Only (Details 1) Sheet http://texascapitalbank.com/role/ParentCompanyOnlyDetails1 Parent Company Only (Details 1) Details http://texascapitalbank.com/role/ParentCompanyOnlyTables 95 false false R96.htm 2420404 - Disclosure - Parent Company Only (Details 2) Sheet http://texascapitalbank.com/role/ParentCompanyOnlyDetails2 Parent Company Only (Details 2) Details http://texascapitalbank.com/role/ParentCompanyOnlyTables 96 false false R97.htm 2423402 - Disclosure - Derivative Financial Instruments (Details 1) Sheet http://texascapitalbank.com/role/DerivativeFinancialInstrumentsDetails1 Derivative Financial Instruments (Details 1) Details http://texascapitalbank.com/role/DerivativeFinancialInstrumentsTables 97 false false R98.htm 2423403 - Disclosure - Derivative Financial Instruments Derivative Financial Instruments (Details 2) Sheet http://texascapitalbank.com/role/DerivativeFinancialInstrumentsDerivativeFinancialInstrumentsDetails2 Derivative Financial Instruments Derivative Financial Instruments (Details 2) Details 98 false false R99.htm 2423404 - Disclosure - Derivative Financial Instruments Derivative Financial Instruments (Details 3) Sheet http://texascapitalbank.com/role/DerivativeFinancialInstrumentsDerivativeFinancialInstrumentsDetails3 Derivative Financial Instruments Derivative Financial Instruments (Details 3) Details 99 false false R100.htm 2424401 - Disclosure - Stockholder's Equity (Details) Sheet http://texascapitalbank.com/role/StockholdersEquityDetails Stockholder's Equity (Details) Details http://texascapitalbank.com/role/StockholdersEquity 100 false false R101.htm 2427402 - Disclosure - Quarterly Financial Data (Details) Sheet http://texascapitalbank.com/role/QuarterlyFinancialDataDetails Quarterly Financial Data (Details) Details http://texascapitalbank.com/role/QuarterlyFinancialDataTables 101 false false All Reports Book All Reports tcbi-20151231.xml tcbi-20151231.xsd tcbi-20151231_cal.xml tcbi-20151231_def.xml tcbi-20151231_lab.xml tcbi-20151231_pre.xml true true ZIP 123 0001077428-16-000031-xbrl.zip IDEA: XBRL DOCUMENT begin 644 0001077428-16-000031-xbrl.zip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ô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end

Document and Entity Information - USD ($)	12 Months Ended
Document and Entity Information - USD ($)	Dec. 31, 2015	Feb. 16, 2016	Jun. 30, 2015
Document And Entity Information [Abstract]
Entity Registrant Name	TEXAS CAPITAL BANCSHARES INC/TX
Entity Central Index Key	0001077428
Current Fiscal Year End Date	--12-31
Entity Filer Category	Large Accelerated Filer
Document Type	10-K
Document Period End Date	Dec. 31, 2015
Document Fiscal Year Focus	2015
Document Fiscal Period Focus (Q1,Q2,Q3,FY)	FY
Amendment Flag	false
Entity Common Stock, Shares Outstanding		45,885,829
Entity Well-known Seasoned Issuer	Yes
Entity Voluntary Filers	No
Entity Current Reporting Status	Yes
Entity Public Float			$ 1,563,789,052

CONSOLIDATED BALANCE SHEETS - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Assets
Cash and due from banks	$ 109,496	$ 96,524
Interest-bearing deposits	1,626,374	1,233,990
Federal funds sold and securities purchased under resale agreements	55,000	0
Securities, available-for-sale	29,992	41,719
Loans held for sale, at fair value	86,075	0
Loans held for investment, mortgage finance	4,966,276	4,102,125
Loans held for investment (net of unearned income)	11,745,674	10,154,887
Less: Allowance for loan losses	(141,111)	(100,954)
Loans held for investment, net	16,570,839	14,156,058
Mortgage servicing rights, net	423	0
Premises and equipment, net	23,561	23,135
Accrued interest receivable and other assets	387,419	333,699
Goodwill and intangible assets, net	19,960	20,588
Total assets	18,909,139	15,905,713
Deposits:
Non-interest-bearing	6,386,911	5,011,619
Interest-bearing	8,697,708	7,348,972
Interest-bearing in foreign branches	0	312,709
Total deposits	15,084,619	12,673,300
Accrued interest payable	5,097	4,747
Other liabilities	153,433	151,389
Federal funds purchased and repurchase agreements	143,051	92,676
Other borrowings	1,500,000	1,100,005
Subordinated notes	286,000	286,000
Trust preferred subordinated debentures	113,406	113,406
Total liabilities	17,285,606	14,421,523
Comprehensive income:
Preferred stock, $.01 par value, $1,000 liquidation value: Authorized shares - 10,000,000; Issued shares - 6,000,000 shares issued at December 31, 2014 and 2013	150,000	150,000
Common stock, $.01 par value: Authorized shares - 100,000,000; Issued shares - 45,735,424 and 41,036,787 at December 31, 2014 and 2013, respectively	459	457
Additional paid-in capital	714,546	709,738
Retained earnings	757,818	622,714
Treasury stock (shares at cost: 417 at December 31, 2015 and 2014)	(8)	(8)
Accumulated other comprehensive income, net of taxes	718	1,289
Total stockholders’ equity	1,623,533	1,484,190
Total liabilities and stockholders’ equity	$ 18,909,139	$ 15,905,713

CONSOLIDATED BALANCE SHEETS (Parenthetical) - USD ($)	Dec. 31, 2015	Dec. 31, 2014
Statement of Financial Position [Abstract]
Preferred stock, Liquidation value	$ 1,000	$ 1,000
Preferred stock, par value	$ 0.01	$ 0.01
Preferred stock, shares authorized	10,000,000	10,000,000
Preferred stock, shares issued	6,000,000	6,000,000
Common stock, par value	$ 0.01	$ 0.01
Common stock, shares authorized	100,000,000	100,000,000
Common stock, shares issued	45,874,224	45,735,424
Treasury stock, shares	417	417

CONSOLIDATED STATEMENTS OF INCOME AND OTHER COMPREHENSIVE INCOME - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Interest income
Interest and fees on loans	$ 594,729	$ 511,606	$ 441,314
Securities	1,254	1,828	3,015
Federal funds sold	682	207	65
Deposits in other banks	6,293	906	231
Total interest income	602,958	514,547	444,625
Interest expense
Deposits	24,578	18,145	14,030
Federal funds purchased	284	373	686
Repurchase agreements	19	17	18
Other borrowings	2,232	356	515
Subordinated notes	16,764	16,202	7,327
Trust preferred subordinated debentures	2,551	2,489	2,536
Total interest expense	46,428	37,582	25,112
Net interest income	556,530	476,965	419,513
Provision for credit losses	53,250	22,000	19,000
Net interest income after provision for credit losses	503,280	454,965	400,513
Non-interest income
Service charges on deposit accounts	8,323	7,253	6,783
Trust fee income	5,022	4,937	5,023
Bank owned life insurance (BOLI) income	2,011	2,067	1,917
Brokered loan fees	18,661	13,981	16,980
Swap fees	4,275	2,992	5,520
Other	9,446	11,281	7,801
Total non-interest income	47,738	42,511	44,024
Non-interest expense
Salaries and employee benefits	192,610	169,051	157,752
Net occupancy expense	23,182	20,866	16,821
Marketing	16,491	15,989	16,203
Legal and professional	22,150	21,182	18,104
Communications and technology	21,425	18,667	13,762
FDIC insurance assessment	17,231	10,919	8,057
Other	33,434	28,440	26,030
Total non-interest expense	326,523	285,114	256,729
Income before income taxes	224,495	212,362	187,808
Income tax expense	79,641	76,010	66,757
Net income	144,854	136,352	121,051
Preferred stock dividends	(9,750)	(9,750)	(7,394)
Net income available to common stockholders	135,104	126,602	113,657
Other comprehensive gain (loss)
Change in unrealized gain on available-for-sale securities arising during period, before tax	(877)	(522)	(2,529)
Income tax benefit related to unrealized loss on available-for-sale securities	(306)	(183)	(885)
Other comprehensive loss net of tax	(571)	(339)	(1,644)
Comprehensive income	$ 144,283	$ 136,013	$ 119,407
Basic earnings per common share
Basic earnings per common share	$ 2.95	$ 2.93	$ 2.78
Diluted earnings per common share
Diluted earnings per common share	$ 2.91	$ 2.88	$ 2.72

CONSOLIDATED STATEMENTS OF STOCKHOLDERS' EQUITY - USD ($) $ in Thousands	Total	Preferred Stock	Common Stock	Additional Paid-in Capital	Retained Earnings	Treasury Stock	Accumulated Other Comprehensive Income
Beginning balance - Shares at Dec. 31, 2012		0	40,727,996			417
Beginning balance - Amount at Dec. 31, 2012	$ 836,242	$ 0	$ 407	$ 450,116	$ 382,455	$ (8)	$ 3,272
Comprehensive income:
Net income	121,051				121,051
Change in unrealized gain (loss) on available-for-sale securities, net of taxes	(1,644)						(1,644)
Comprehensive income	119,407
Tax expense related to exercise of stock-based awards	1,200			1,200
Stock-based compensation expense recognized in earnings	4,118			4,118
Preferred Stock Issued During Period Shares New Issues		6,000,000
Proceeds from issuance of preferred stock	(144,987)	$ (150,000)		5,013
Preferred stock dividends	(7,394)				(7,394)
Issuance of stock related to stock-based awards - Shares			272,452
Issuance of stock related to stock-based awards - Amount	(2,250)		$ 3	(2,253)
Issuance of stock - Shares			36,339
Issuance of stock - Amount	40		$ 0	40
Ending balance - Amount at Dec. 31, 2013	1,096,350	$ 150,000	$ 410	448,208	496,112	$ (8)	1,628
Ending balance - Shares at Dec. 31, 2013		6,000,000	41,036,787			417
Comprehensive income:
Net income	136,352				136,352
Change in unrealized gain (loss) on available-for-sale securities, net of taxes	(339)						(339)
Comprehensive income	136,013
Tax expense related to exercise of stock-based awards	2,929			2,929
Stock-based compensation expense recognized in earnings	4,628			4,628
Proceeds from issuance of preferred stock	0
Preferred stock dividends	(9,750)				(9,750)
Issuance of stock related to stock-based awards - Shares			201,280
Issuance of stock related to stock-based awards - Amount	(2,203)		$ 2	(2,205)
Issuance of stock - Shares			4,398,128
Issuance of stock - Amount	256,223		$ 44	256,179
Ending balance - Amount at Dec. 31, 2014	1,484,190	$ 150,000	$ 457	709,738	622,714	$ (8)	1,289
Ending balance - Shares at Dec. 31, 2014		6,000,000	45,735,424			417
Comprehensive income:
Stock Issued During Period, Shares, Other			99,229
Stock Issued During Period, Value, Other			$ 1	(1)
Net income	144,854				144,854
Change in unrealized gain (loss) on available-for-sale securities, net of taxes	(571)						(571)
Comprehensive income	144,283
Tax expense related to exercise of stock-based awards	1,452			1,452
Stock-based compensation expense recognized in earnings	4,597			4,597
Proceeds from issuance of preferred stock	0
Preferred stock dividends	(9,750)				(9,750)
Issuance of stock related to stock-based awards - Shares			138,800
Issuance of stock related to stock-based awards - Amount	(1,239)		$ 2	(1,241)
Ending balance - Amount at Dec. 31, 2015	1,623,533	$ 150,000	$ 459	$ 714,546	$ 757,818	$ (8)	$ 718
Ending balance - Shares at Dec. 31, 2015		6,000,000	45,874,224			417.000
Comprehensive income:
Stock Issued During Period, Value, Other	$ 0

Related Party Transactions	12 Months Ended
Related Party Transactions	Dec. 31, 2015
Related Party Transactions [Abstract]
Related Party Transactions	Related Party Transactions See Note 8 for a description of deposits from related parties.

Stockholder's Equity	12 Months Ended
Stockholder's Equity	Dec. 31, 2015
Stockholders' Equity Note [Abstract]
Stockholders' Equity	Stockholders’ Equity In January 2009, we issued $75 million of perpetual preferred stock and related warrants under the U.S. Department of Treasury’s voluntary Capital Purchase Program. The preferred stock was repurchased in May 2009 and the U.S. Treasury auctioned the related warrants in the first quarter of 2010. As of December 31, 2015, warrants to purchase 581,500 shares at $14.84 per share are still outstanding. On March 28, 2013, we completed a sale of 6.0 million shares of 6.5% non-cumulative preferred stock, par value $0.01, with a liquidation preference of $25 per share, in a public offering. Dividends on the preferred stock are not cumulative and will be paid when declared by our board of directors to the extent that we have lawfully available funds to pay dividends. If declared, dividends will accrue and be payable quarterly, in arrears, on the liquidation preference amount, on a non-cumulative basis, at a rate of 6.50% per annum. We paid $9.8 million in dividends on the preferred stock for the years ended December 31, 2015 and 2014. Holders of preferred stock do not have voting rights, except with respect to authorizing or increasing the authorized amount of senior stock, certain changes in the terms of the preferred stock, certain dividend non-payments and as otherwise required by applicable law. Net proceeds from the sale totaled $145.0 million. The additional equity was used for general corporate purposes, including funding regulatory capital infusions into the Bank. In January 2014, we completed an offering of 1.9 million shares of our common stock. Net proceeds from the sale totaled $106.5 million. The net proceeds of the offering were available to the Company for general corporate purposes, including retirement of $15.0 million of short-term debt that was outstanding at December 31, 2013, and additional capital to support continued loan growth. On November 12, 2014, we completed a sale of 2.5 million of our common stock in a public offering. Net proceeds from the sale totaled $149.6 million. The additional equity will be used for general corporate purposes and additional capital to support continued loan growth.

New Accounting Standards	12 Months Ended
New Accounting Standards	Dec. 31, 2015
New Accounting Pronouncements and Changes in Accounting Principles [Abstract]
New Accounting Standards	New Accounting Standards ASU 2014-04 “Receivables (Topic 310) - Troubled Debt Restructurings by Creditors” (“ASU 2014-04”) amends Topic 310 “Receivables” to clarify the terms defining when an in substance repossession or foreclosure occurs, which determines when the receivable should be derecognized and the real estate property is recognized. ASU 2014-04 became effective for us on January 1, 2015 and did not have a significant impact on our financial statements. ASU 2014-11 "Transfers and Servicing (Topic 860) - Repurchase-to-Maturity Transactions, Repurchase Financings and Disclosures ("ASU 2014-11") requires that repurchase-to-maturity transactions be accounted for as secured borrowings consistent with the accounting for other repurchase agreements. The amendments to ASU 2014-11 update the accounting for repurchase-to-maturity transactions and link repurchase financings to secured borrowing accounting, which is consistent with the accounting for other repurchase agreements. ASU 2014-11 also requires two new disclosures. The first disclosure requires an entity to disclose information on transfers accounted for as sales that are economically similar to repurchase agreements. The second disclosure provides added transparency about the types of collateral pledged in repurchase agreements and similar transactions accounted for as secured borrowings. ASU 2014-11 became effective for us on January 1, 2015 and did not have a significant impact on our financial statements. ASU 2014-12 "Compensation - Stock Compensation (Topic 718) - Accounting for Share-Based Payments When the Terms of an Award Provide That a Performance Target Could Be Achieved after the Requisite Service Period" ("ASU 2014-12") requires that a performance target that affects vesting and that could be achieved after the requisite service period be treated as a performance condition. ASU 2014-12 is intended to resolve the diverse accounting treatments of these types of awards in practice and is effective for annual and interim periods beginning after December 15, 2015 and is not expected to have a significant impact on our consolidated financial statements. ASU 2015-01 "Income Statement - Extraordinary and Unusual Items (Subtopic 225-20) - Simplifying Income Statement Presentation by Eliminating the Concept of Extraordinary Items" ("ASU 2015-01") eliminates from U.S. GAAP the concept of extraordinary items, which required separate classification, presentation and disclosure in the income statement. ASU 2015-01 is effective for annual and interim periods beginning after December 15, 2015 and is not expected to have a significant impact on our consolidated financial statements. ASU 2015-03 "Interest - Imputation of Interest (Subtopic 835-30) - Simplifying the Presentation of Debt Issuance Costs" ("ASU 2015-03") requires that debt issuance costs related to a recognized debt liability be presented in the balance sheet as a direct deduction from the carrying amount of that debt liability, consistent with debt discounts. The recognition and measurement guidance for debt issuance costs are not affected by the amendments in ASU 2015-03. ASU 2015-03 is effective for annual and interim periods beginning after December 15, 2015 and is not expected to have a significant impact on our consolidated financial statements. ASU 2015-05 "Intangibles - Goodwill and Other - Internal-Use Software (Subtopic 350-40) - Customer's Accounting for Fees Paid in a Cloud Computing Arrangement" ("ASU 2015-05") provides guidance to customers about whether a cloud computing arrangement includes a software license. If the arrangement includes a software license, then the customer should account for the software license element of the arrangement consistent with the acquisition of other software licenses. If the arrangement does not include a software license, the customer should account for the arrangement as a service contract. ASU 2015-05 is effective for annual and interim periods beginning after December 15, 2015 and is not expected to have a significant impact on our consolidated financial statements. ASU 2015-15 "Interest - Imputation of Interest (Subtopic 835-30) - Presentation and Subsequent Measurement of Debt Issuance Costs Associated with Line-of-Credit Arrangements - Amendments to SEC Paragraphs Pursuant to Staff Announcement at June 18, 2015 EITF Meeting ("ASU 2015-15") adds SEC paragraphs confirming that, given the absence of authoritative guidance within ASU 2015-03 for debt issuance costs related to line-of-credit arrangements, the SEC staff would not object to an entity deferring and presenting debt issuance costs as an asset and subsequently amortizing the deferred debt issuance costs ratably over the term of the line-of-credit arrangement, regardless of whether there are any outstanding borrowings on the line-of-credit arrangement. ASU 2015-15 was effective when issued and is not expected to have a significant impact on our consolidated financial statements. ASU 2014-09 "Revenue from Contracts with Customers (Topic 606)" ("ASU 2014-09") implements a common revenue standard that clarifies the principles for recognizing revenue. The core principle of ASU 2014-09 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. ASU 2014-09 establishes a five-step model which entities must follow to recognize revenue and removes inconsistencies and weaknesses in existing guidance. ASU 2014-09 was originally going to be effective for annual and interim periods beginning after December 15, 2016; however, the FASB issued ASU 2015-14 - "Revenue from Contracts with Customers (Topic 606) - Deferral of the Effective Date" which deferred the effective date of ASU 2014-09 by one year to annual and interim periods beginning after December 15, 2017. ASU 2014-09 is not expected to have a significant impact on our consolidated financial statements.

Securities (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Available-for-sale securities:
Amortized Cost	$ 28,886	$ 39,736
Gross Unrealized Gains	1,379	2,134
Gross Unrealized Losses	(273)	(151)
Estimated Fair Value	29,992	41,719
Residential mortgage-backed securities
Available-for-sale securities:
Amortized Cost	20,536	28,957
Gross Unrealized Gains	1,365	2,108
Gross Unrealized Losses	0	0
Estimated Fair Value	21,901	31,065
Municipals
Available-for-sale securities:
Amortized Cost	828	3,257
Gross Unrealized Gains	3	10
Gross Unrealized Losses	0	0
Estimated Fair Value	831	3,267
Equity securities
Available-for-sale securities:
Amortized Cost	7,522	7,522
Gross Unrealized Gains	11	16
Gross Unrealized Losses	(273)	(151)
Estimated Fair Value	$ 7,260	$ 7,387

Securities (Details 1) - USD ($) $ in Thousands	12 Months Ended
Securities (Details 1) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Amortized cost
Amortized Cost	$ 28,886	$ 39,736
Estimated fair value
Total	$ 29,992	$ 41,719
Available-for-sale Securities, Other Disclosure Items
Federal tax rate (percent)	35.00%	35.00%	35.00%
Securities pledged as collateral	$ 20,700	$ 32,700
Residential mortgage-backed securities
Amortized cost
Less Than One Year	214	1
After One Through Five Years	4,655	9,151
After Five Through Ten Years	4,265	5,661
After Ten Years	11,402	14,144
Amortized Cost	20,536	28,957
Estimated fair value
Less Than One Year	217	1
After One Through Five Years	4,837	9,662
After Five Through Ten Years	4,747	6,333
After Ten Years	12,100	15,069
Total	$ 21,901	$ 31,065
Weighted average yield
Less Than One Year	5.62%	6.50%
After One Through Five Years	4.71%	4.79%
After Five Through Ten Years	5.54%	5.54%
After Ten Years	2.53%	2.36%
Total	3.68%	3.75%
Available-for-sale Securities, Other Disclosure Items
Average expected life of mortgage-backed securities	9 months	1 year 2 months
Municipals
Amortized cost
Less Than One Year	$ 265	$ 1,669
After One Through Five Years	563	1,588
After Five Through Ten Years	0	0
After Ten Years	0	0
Amortized Cost	828	3,257
Estimated fair value
Less Than One Year	265	1,674
After One Through Five Years	566	1,593
After Five Through Ten Years	0	0
After Ten Years	0	0
Total	$ 831	$ 3,267
Weighted average yield
Less Than One Year	5.46%	5.78%
After One Through Five Years	5.69%	5.79%
After Five Through Ten Years	0.00%	0.00%
After Ten Years	0.00%	0.00%
Total	5.62%	5.79%
Equity securities
Amortized cost
Less Than One Year	$ 7,522	$ 7,522
After One Through Five Years	0	0
After Five Through Ten Years	0	0
After Ten Years	0	0
Amortized Cost	7,522	7,522
Estimated fair value
Less Than One Year	7,260	7,387
After One Through Five Years	0	0
After Five Through Ten Years	0	0
After Ten Years	0	0
Total	7,260	7,387
Deposits
Available-for-sale Securities, Other Disclosure Items
Securities pledged as collateral	$ 6,600	$ 10,900

Securities (Details 2) - USD ($) $ in Thousands	12 Months Ended
Securities (Details 2) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Fair Value
Less Than 12 Months	$ 0	$ 0
12 Months or Longer	6,227	6,349
Total	6,227	6,349
Unrealized Loss
Less Than 12 Months	0	0
12 Months or Longer	(273)	(151)
Total	(273)	(151)
Comprehensive income	144,283	136,013	$ 119,407
Net after-tax loss	$ 571	$ 339	$ 1,644

Loans and Allowance for Credit Losses (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Loans and Leases Receivable, Net Reported Amount
Commercial	$ 6,672,631	$ 5,869,219
Mortgage finance	4,966,276	4,102,125
Construction	1,851,717	1,416,405
Real estate	3,139,197	2,807,127
Consumer	25,323	19,699
Equipment leases	113,996	99,495
Gross loans held for investment	16,769,140	14,314,070
Deferred income (net of direct origination costs)	(57,190)	(57,058)
Allowance for loan losses	(141,111)	(100,954)	$ (87,604)
Loans held for investment, net	$ 16,570,839	$ 14,156,058

Loans and Allowance for Credit Losses (Details 2) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Commercial	$ 6,672,631	$ 5,869,219
Mortgage finance	4,966,276	4,102,125
Construction	1,851,717	1,416,405
Real estate	3,139,197	2,807,127
Consumer	25,323	19,699
Equipment leases	113,996	99,495
Total	16,769,140	14,314,070
Pass
Financing Receivable, Recorded Investment [Line Items]
Commercial	6,375,332	5,738,474
Mortgage finance	4,966,276	4,102,125
Construction	1,821,678	1,414,671
Real estate	3,085,463	2,785,804
Consumer	25,093	19,579
Equipment leases	103,560	91,044
Total	16,377,402	14,151,697
Special mention
Financing Receivable, Recorded Investment [Line Items]
Commercial	111,911	53,839
Mortgage finance	0	0
Construction	13,090	1,734
Real estate	30,585	8,723
Consumer	3	11
Equipment leases	334	4,363
Total	155,923	68,670
Substandard- accruing
Financing Receivable, Recorded Investment [Line Items]
Commercial	46,731	43,784
Mortgage finance	0	0
Construction	281	0
Real estate	3,837	2,653
Consumer	227	47
Equipment leases	4,951	3,915
Total	56,027	50,399
Non-accrual
Financing Receivable, Recorded Investment [Line Items]
Commercial	138,657	33,122
Mortgage finance	0	0
Construction	16,668	0
Real estate	19,312	9,947
Consumer	0	62
Equipment leases	5,151	173
Total	$ 179,788	$ 43,304

Loans and Allowance for Credit Losses (Details 3) - USD ($) $ in Thousands	12 Months Ended
	Dec. 31, 2015	Dec. 31, 2014
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	$ 100,954	$ 87,604
Provision for loan losses	51,299	19,630
Charge-offs	16,730	10,365
Recoveries	5,588	4,085
Net charge-offs (recoveries)	11,142	6,280
Ending balance	141,111	100,954
Period end amount allocated to:
Loans individually evaluated for impairment	23,467	8,376
Loans collectively evaluated for impairment	117,644	92,578
Commercial
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	70,654	39,868
Provision for loan losses	53,102	37,827
Charge-offs	16,254	9,803
Recoveries	4,944	2,762
Net charge-offs (recoveries)	11,310	7,041
Ending balance	112,446	70,654
Period end amount allocated to:
Loans individually evaluated for impairment	19,840	7,705
Loans collectively evaluated for impairment	92,606	62,949
Mortgage Finance
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	0	0
Provision for loan losses	0	0
Charge-offs	0	0
Recoveries	0	0
Net charge-offs (recoveries)	0	0
Ending balance	0	0
Period end amount allocated to:
Loans individually evaluated for impairment	0	0
Loans collectively evaluated for impairment	0	0
Construction
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	7,935	14,553
Provision for loan losses	(1,499)	(6,618)
Charge-offs	0	0
Recoveries	400	0
Net charge-offs (recoveries)	(400)	0
Ending balance	6,836	7,935
Period end amount allocated to:
Loans individually evaluated for impairment	0	0
Loans collectively evaluated for impairment	6,836	7,935
Real Estate
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	15,582	24,210
Provision for loan losses	(1,845)	(8,411)
Charge-offs	389	296
Recoveries	33	79
Net charge-offs (recoveries)	356	217
Ending balance	13,381	15,582
Period end amount allocated to:
Loans individually evaluated for impairment	1,191	636
Loans collectively evaluated for impairment	12,190	14,946
Consumer
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	240	149
Provision for loan losses	(13)	195
Charge-offs	62	266
Recoveries	173	162
Net charge-offs (recoveries)	(111)	104
Ending balance	338	240
Period end amount allocated to:
Loans individually evaluated for impairment	0	9
Loans collectively evaluated for impairment	338	231
Equipment Leases
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	1,141	3,105
Provision for loan losses	2,777	(3,046)
Charge-offs	25	0
Recoveries	38	1,082
Net charge-offs (recoveries)	(13)	(1,082)
Ending balance	3,931	1,141
Period end amount allocated to:
Loans individually evaluated for impairment	2,436	26
Loans collectively evaluated for impairment	1,495	1,115
Additional Qualitative Reserve
Allowance for Loan and Lease Losses [Roll Forward]
Beginning balance	5,402	5,719
Provision for loan losses	(1,223)	(317)
Charge-offs	0	0
Recoveries	0	0
Net charge-offs (recoveries)	0	0
Ending balance	4,179	5,402
Period end amount allocated to:
Loans individually evaluated for impairment	0	0
Loans collectively evaluated for impairment	$ 4,179	$ 5,402

Loans and Allowance for Credit Losses (Details 4) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Recorded Investment [Line Items]
Loans individually evaluated for impairment	$ 183,340	$ 49,280
Loans collectively evaluated for impairment	16,585,800	14,264,790
Gross loans held for investment	16,769,140	14,314,070
Commercial
Financing Receivable, Recorded Investment [Line Items]
Loans individually evaluated for impairment	140,479	35,165
Loans collectively evaluated for impairment	6,532,152	5,834,054
Gross loans held for investment	6,672,631	5,869,219
Mortgage Finance
Financing Receivable, Recorded Investment [Line Items]
Loans individually evaluated for impairment	0	0
Loans collectively evaluated for impairment	4,966,276	4,102,125
Gross loans held for investment	4,966,276	4,102,125
Construction
Financing Receivable, Recorded Investment [Line Items]
Loans individually evaluated for impairment	16,668	0
Loans collectively evaluated for impairment	1,835,049	1,416,405
Gross loans held for investment	1,851,717	1,416,405
Real Estate
Financing Receivable, Recorded Investment [Line Items]
Loans individually evaluated for impairment	21,042	13,880
Loans collectively evaluated for impairment	3,118,155	2,793,247
Gross loans held for investment	3,139,197	2,807,127
Consumer
Financing Receivable, Recorded Investment [Line Items]
Loans individually evaluated for impairment	0	62
Loans collectively evaluated for impairment	25,323	19,637
Gross loans held for investment	25,323	19,699
Equipment Leases
Financing Receivable, Recorded Investment [Line Items]
Loans individually evaluated for impairment	5,151	173
Loans collectively evaluated for impairment	108,845	99,322
Gross loans held for investment	$ 113,996	$ 99,495

Loans and Allowance for Credit Losses (Details 6) $ in Thousands	Dec. 31, 2015 USD ($)
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	$ 37,145
60-89 Days Past Due	3,666
Greater Than 90 Days(1)	7,013
Total Past Due	47,824
Non-accrual	179,788
Current	16,541,528
Total	16,769,140
Commercial \| Business loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	15,847
60-89 Days Past Due	3,666
Greater Than 90 Days(1)	7,013
Total Past Due	26,526
Non-accrual	30,258
Current	5,577,523
Total	5,634,307
Commercial \| Energy loans
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	500
60-89 Days Past Due	0
Greater Than 90 Days(1)	0
Total Past Due	500
Non-accrual	108,399
Current	929,425
Total	1,038,324
Mortgage Finance
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	0
60-89 Days Past Due	0
Greater Than 90 Days(1)	0
Total Past Due	0
Non-accrual	0
Current	4,966,276
Total	4,966,276
Construction \| Market risk
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	0
60-89 Days Past Due	0
Greater Than 90 Days(1)	0
Total Past Due	0
Non-accrual	16,668
Current	1,824,936
Total	1,841,604
Construction \| Secured by 1-4 family
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	0
60-89 Days Past Due	0
Greater Than 90 Days(1)	0
Total Past Due	0
Non-accrual	0
Current	10,113
Total	10,113
Real estate \| Market risk
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	0
60-89 Days Past Due	0
Greater Than 90 Days(1)	0
Total Past Due	0
Non-accrual	3,605
Current	2,402,640
Total	2,406,245
Real estate \| Commercial
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	17,729
60-89 Days Past Due	0
Greater Than 90 Days(1)	0
Total Past Due	17,729
Non-accrual	15,353
Current	612,711
Total	645,793
Real estate \| Secured by 1-4 family
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	2,319
60-89 Days Past Due	0
Greater Than 90 Days(1)	0
Total Past Due	2,319
Non-accrual	354
Current	84,486
Total	87,159
Consumer
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	659
60-89 Days Past Due	0
Greater Than 90 Days(1)	0
Total Past Due	659
Non-accrual	0
Current	24,664
Total	25,323
Equipment leases
Financing Receivable, Recorded Investment, Past Due [Line Items]
30-59 Days Past Due	91
60-89 Days Past Due	0
Greater Than 90 Days(1)	0
Total Past Due	91
Non-accrual	5,151
Current	108,754
Total	$ 113,996

Loans and Allowance for Credit Losses (Details 7) $ in Thousands	12 Months Ended
	Dec. 31, 2015 USD ($) contract	Dec. 31, 2014 USD ($) contract
Financing Receivable, Modifications [Line Items]
Number of Contracts \| contract	5	2
Pre-Restructuring Outstanding Recorded Investment	$ 20,459	$ 1,536
Post-Restructuring Outstanding Recorded Investment	$ 14,992	$ 1,521
Real estate
Financing Receivable, Modifications [Line Items]
Number of Contracts \| contract		1
Pre-Restructuring Outstanding Recorded Investment		$ 95
Post-Restructuring Outstanding Recorded Investment		$ 80
Commercial
Financing Receivable, Modifications [Line Items]
Number of Contracts \| contract	5	1
Pre-Restructuring Outstanding Recorded Investment	$ 20,459	$ 1,441
Post-Restructuring Outstanding Recorded Investment	$ 14,992	$ 1,441

Loans and Allowance for Credit Losses (Details 8) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Financing Receivable, Modifications [Line Items]
Loans modified as restructured loans	$ 14,992	$ 1,521
Extended maturity
Financing Receivable, Modifications [Line Items]
Loans modified as restructured loans	0	1,441
Combination of maturity extension and payment schedule adjustment
Financing Receivable, Modifications [Line Items]
Loans modified as restructured loans	$ 14,992	$ 80

Certain Transfers of Financial Assets (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Transfers and Servicing [Abstract]
Loans Held-for-sale, Unpaid Principal Balance	$ 82,853
Loans held for sale, at fair value	86,075	$ 0
Loans Held-for-sale, Fair Value Over/(Under) Unpaid Principal Balance	$ 3,222

Certain Transfers of Financial Assets (Details 1) - Mortgage Servicing Rights $ in Thousands	12 Months Ended
	Dec. 31, 2015 USD ($)
Servicing Asset at Amortized Cost, Balance [Roll Forward]
Balance, beginning of year	$ 0
Capitalized servicing rights	437
Amortization	(14)
Balance, end of year	423
Fair value	$ 423

Certain Transfers of Financial Assets (Details 2) - Mortgage Servicing Rights	12 Months Ended
	Dec. 31, 2015
Fair Value Assumption, Date of Securitization or Asset-backed Financing Arrangement, Transferor's Continuing Involvement, Servicing Assets or Liabilities [Line Items]
Average discount rates (percent)	9.76%
Expected prepayment speeds (percent)	9.14%
Weighted-average life, in years	7 years 3 months 15 days

Certain Transfers of Financial Assets (Details 3)	12 Months Ended
Certain Transfers of Financial Assets (Details 3)	Dec. 31, 2015 USD ($) loan
Transfers and Servicing [Abstract]
Number of loans in servicing portfolio \| loan	168
Principal amount outstanding of loans in servicing portfolio	$ 39,000,000
Escrow deposits related to servicing portfolio	240,000
Originated or purchased mortgage loans sold to GSEs	39,100,000
Estimated exposure related to servicing assets	$ 20,000

Goodwill and Other Intangible Assets (Details) - USD ($)	Dec. 31, 2015	Dec. 31, 2014	May. 31, 2013
Goodwill
Gross	$ 15,370,000	$ 15,370,000
Accumulated Amortization	(374,000)	(374,000)
Net	14,996,000	14,996,000	$ 954,000
Intangible assets—customer relationships and trademarks
Gross	9,104,000	9,104,000
Accumulated Amortization	(4,140,000)	(3,512,000)
Net	4,964,000	5,592,000
Total goodwill and intangible assets
Gross	24,474,000	24,474,000
Accumulated Amortization	(4,514,000)	(3,886,000)
Net	$ 19,960,000	$ 20,588,000	$ 2,100,000

Goodwill and Other Intangible Assets (Details 1) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Goodwill and Intangible Assets Disclosure [Abstract]
2016	$ 471
2017	473
2018	473
2019	473
2020	435
Thereafter	2,639
Net	$ 4,964	$ 5,592

Goodwill and Other Intangible Assets (Details 2) - USD ($)	1 Months Ended	12 Months Ended
	May. 31, 2013	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Finite-Lived Intangible Assets [Line Items]
Total intangible assets	$ 2,100,000	$ 19,960,000	$ 20,588,000
Amortization expense related to intangible assets		$ 628,000	$ 699,000	$ 660,000
Customer relationships
Finite-Lived Intangible Assets [Line Items]
Intangible assets acquired	$ 554,000
Useful life	14 years
Developed technology
Finite-Lived Intangible Assets [Line Items]
Intangible assets acquired	$ 457,000
Useful life	7 years
Trade name
Finite-Lived Intangible Assets [Line Items]
Intangible assets acquired	$ 98,000

Premises and Equipment (Details) - USD ($) $ in Thousands	12 Months Ended
Premises and Equipment (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Summary of premises and equipment
Premises and equipment, gross	$ 47,205	$ 46,757
Accumulated depreciation	(23,644)	(23,622)
Total premises and equipment, net	23,561	23,135
Depreciation, Depletion and Amortization
Depreciation expense	4,600	4,100	$ 4,000
Premises
Summary of premises and equipment
Premises and equipment, gross	21,020	24,339
Furniture and equipment
Summary of premises and equipment
Premises and equipment, gross	$ 26,185	$ 22,418

Deposits (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014
Non-interest bearing deposits
Non-interest-bearing demand deposits	$ 6,386,911	$ 5,011,619
Interest-bearing deposits
Transaction	2,006,591	1,292,388
Savings	6,163,622	5,630,253
Time	527,495	426,331
Deposits in foreign branches	0	312,709
Total interest-bearing deposits	8,697,708	7,661,681
Total deposits	$ 15,084,619	$ 12,673,300

Deposits (Details 1) $ in Thousands	Dec. 31, 2015 USD ($)
Scheduled maturities of interest bearing time deposits
2015	$ 502,113
2016	18,138
2017	1,646
2018	4,001
2019	1,597
2021 and after	0
Interest bearing time deposits, total	$ 527,495

Deposits (Details 2) - USD ($) $ in Millions	Dec. 31, 2015	Dec. 31, 2014
Deposits [Abstract]
Deposits from related parties	$ 16.6	$ 23.5
Interest-bearing time deposits of $250,000 or more	$ 274.4	$ 527.6

Borrowing Arrangements (Details) - USD ($) $ in Thousands	12 Months Ended
Borrowing Arrangements (Details) - USD ($) $ in Thousands	Dec. 31, 2015	Dec. 31, 2014	Dec. 31, 2013
Debt Instrument [Line Items]
Borrowings	$ 2,042,457	$ 1,592,087	$ 1,250,036
Maximum outstanding at any month end	2,042,457	1,592,087	1,859,036
Federal funds purchased
Debt Instrument [Line Items]
Federal funds purchased	$ 74,164	$ 66,971	$ 148,650
Interest rate	0.55%	0.30%	0.22%
Weighted-average interest rate	0.29%	0.27%	0.27%
Average balance for the year	$ 98,800	$ 139,300	$ 254,300
Customer repurchase agreements
Debt Instrument [Line Items]
Customer repurchase agreements	$ 68,887	$ 25,705	$ 21,954
Interest rate	0.02%	0.07%	0.06%
Customer repurchase agreements \| Collaterized securities
Debt Instrument [Line Items]
Borrowings	$ 14,200	$ 21,800	$ 37,700
FHLB borrowings
Debt Instrument [Line Items]
Borrowings	$ 1,500,000	$ 1,100,005	$ 840,026
Interest rate	0.31%	0.13%	0.12%
Weighted-average interest rate	0.18%	0.15%	0.14%
Average balance for the year	$ 1,200,000	$ 213,400	$ 370,000
Line of credit
Debt Instrument [Line Items]
Borrowings	$ 0	$ 0	$ 15,000
Interest rate	0.00%	0.00%	2.65%
Subordinated notes
Debt Instrument [Line Items]
Borrowings	$ 286,000	$ 286,000	$ 111,000
Interest rate	5.75%	5.82%	6.50%
Trust preferred subordinated debentures
Debt Instrument [Line Items]
Borrowings	$ 113,406	$ 113,406	$ 113,406
Interest rate	2.47%	2.18%	2.17%