0001171843-19-007365.txt : 20191108 0001171843-19-007365.hdr.sgml : 20191108 20191108100145 ACCESSION NUMBER: 0001171843-19-007365 CONFORMED SUBMISSION TYPE: 10-Q PUBLIC DOCUMENT COUNT: 75 CONFORMED PERIOD OF REPORT: 20190930 FILED AS OF DATE: 20191108 DATE AS OF CHANGE: 20191108 FILER: COMPANY DATA: COMPANY CONFORMED NAME: OLD LINE BANCSHARES INC CENTRAL INDEX KEY: 0001253317 STANDARD INDUSTRIAL CLASSIFICATION: STATE COMMERCIAL BANKS [6022] IRS NUMBER: 200154352 STATE OF INCORPORATION: MD FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 10-Q SEC ACT: 1934 Act SEC FILE NUMBER: 000-50345 FILM NUMBER: 191202622 BUSINESS ADDRESS: STREET 1: 1525 POINTER RIDGE PLACE CITY: BOWIE STATE: MD ZIP: 20716 BUSINESS PHONE: 3014302544 MAIL ADDRESS: STREET 1: 1525 POINTER RIDGE PLACE CITY: BOWIE STATE: MD ZIP: 20716 10-Q 1 f10q_110819p.htm FORM 10-Q

UNITED STATES SECURITIES AND EXCHANGE COMMISSION

WASHINGTON, D.C. 20549

FORM 10-Q

☒

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

For the quarterly period ended September 30, 2019

☐

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

Commission File Number: 000-50345

Old Line Bancshares, Inc.

(Exact name of registrant as specified in its charter)

Maryland		20-0154352
(State or other jurisdiction		(I.R.S. Employer
of incorporation or organization)		Identification No.)

1525 Pointer Ridge Place
Bowie, Maryland		20716
(Address of principal executive offices)		(Zip Code)

Registrant’s telephone number, including area code: (301) 430-2500

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

Title of each class	Trading symbol(s)	Name of each exchange on which registered
Common Stock, par value $0.01 per share	OLBK	The Nasdaq Stock Market LLC

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. Yes ☒ No ☐

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

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


Large accelerated filer ☐	Accelerated filer ☒
Non-accelerated filer ☐	Smaller reporting company ☐
	Emerging growth company ☐

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

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

Yes ☐ No ☒

As of October 31, 2019, the registrant had 17,005,446 shares of common stock outstanding.

OLD LINE BANCSHARES, INC. AND SUBSIDIARIES

FORM 10-Q

INDEX

		Page Number
PART I. FINANCIAL INFORMATION

Item 1.	Financial Statements	3

	Consolidated Balance Sheets as of September 30, 2019 (Unaudited) and December 31, 2018	3

	Consolidated Statements of Income (Unaudited) for the Three and Nine Months Ended September 30, 2019 and 2018	4

	Consolidated Statements of Comprehensive Income (Unaudited) for the Three and Nine Months Ended September 30, 2019 and 2018	5

	Consolidated Statements of Changes in Stockholders’ Equity (Unaudited) for the Three and Nine Months Ended September 30, 2019 and 2018	6

	Consolidated Statements of Cash Flows (Unaudited) for the Nine Months Ended September 30, 2019 and 2018	7

	Notes to Consolidated Financial Statements (Unaudited)	9

Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	35

Item 3.	Quantitative and Qualitative Disclosures about Market Risk	62

Item 4.	Controls and Procedures	63

PART II.

Item 1.	Legal Proceedings	64

Item 1A.	Risk Factors	64

Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	64

Item 3.	Defaults Upon Senior Securities	64

Item 4.	Mine Safety Disclosures	64

Item 5.	Other Information	64

Item 6.	Exhibits	65

Signatures		66

Part 1. Financial Information

Old Line Bancshares, Inc. & Subsidiaries

Consolidated Balance Sheets

	September 30,		December 31,
	2019		2018
	(Unaudited)
Assets
Cash and due from banks	$	44,987,316	$	41,495,763
Interest bearing accounts		1,625,029		2,051,273
Federal funds sold		388,971		953,582
Total cash and cash equivalents		47,001,316		44,500,618
Investment securities available for sale-at fair value		268,534,675		219,705,762
Loans held for sale, fair value of $23,203,560 and $11,860,147		22,534,097		11,564,993
Loans held for investment (net of allowance for loan losses of $8,001,352 and $7,471,023, respectively)		2,473,922,052		2,409,227,698
Equity securities at cost		10,886,803		11,150,750
Premises and equipment		42,073,240		42,624,787
Accrued interest receivable		7,960,574		7,958,511
Income taxes receivable		123,434		5,014,510
Deferred income taxes		1,858,345		4,660,278
Bank owned life insurance		69,167,140		67,920,021
Annuity Plan		6,226,727		6,268,426
Other real estate owned		1,091,634		882,510
Goodwill		94,668,455		94,668,455
Core deposit intangible		13,400,601		15,362,232
Other assets		37,388,851		8,497,544
Total assets	$	3,096,837,944	$	2,950,007,095

Liabilities and Stockholders’ Equity
Deposits
Non-interest bearing	$	620,136,296	$	559,059,672
Interest bearing		1,793,209,494		1,736,989,227
Total deposits		2,413,345,790		2,296,048,899
Short term borrowings		204,378,672		228,184,856
Long term borrowings		38,569,343		38,371,291
Accrued interest payable		2,452,857		2,844,715
Supplemental executive retirement plan		6,115,372		5,997,819
Other liabilities		34,615,063		7,788,981
Total liabilities		2,699,477,097		2,579,236,561
Stockholders’ equity
Common stock, par value $0.01 per share; 25,000,000 shares authorized; 16,999,146 and 17,031,052 shares issued and outstanding in 2019 and 2018, respectively		169,991		170,311
Additional paid-in capital		292,993,861		293,501,107
Retained earnings		103,100,167		82,628,356
Accumulated other comprehensive income (loss)		1,096,828		(5,529,240	)
Total stockholders’ equity		397,360,847		370,770,534
Total liabilities and stockholders’ equity	$	3,096,837,944	$	2,950,007,095

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

Old Line Bancshares, Inc. & Subsidiaries

Consolidated Statements of Income

(Unaudited)

	Three Months Ended					Nine Months Ended
	September 30,					September 30,
	2019		2018			2019		2018
Interest Income
Loans, including fees	$	29,125,029	$	29,056,814		$	87,101,189	$	75,206,303
U.S. Treasury securities		16,156		16,325			48,423		42,953
U.S. government agency securities		527,463		89,953			1,576,012		262,905
Corporate bonds		258,924		200,394			776,942		607,601
Foreign bonds		41,318		21,601			93,964		35,979
Mortgage backed securities		593,737		563,384			1,933,777		1,690,299
Municipal securities		488,275		498,200			1,476,610		1,498,163
Federal funds sold		2,853		3,553			11,642		7,079
Other		293,179		303,100			941,570		895,099
Total interest income		31,346,934		30,753,324			93,960,129		80,246,381
Interest expense
Deposits		6,119,906		4,098,787			17,840,233		9,551,755
Borrowed funds		1,678,093		1,768,532			5,791,436		4,817,613
Total interest expense		7,797,999		5,867,319			23,631,669		14,369,368
Net interest income		23,548,935		24,886,005			70,328,460		65,877,013
Provision for loan losses		456,000		307,870			942,758		1,235,023
Net interest income after provision for loan losses		23,092,935		24,578,135			69,385,702		64,641,990
Non-interest income
Account service charges		709,302		728,550			2,049,185		2,028,013
Point of sale sponsorship program		688,188		711,577			1,925,005		1,385,079
Gain on sales or calls of investment securities		544,259		—			560,186		—
Earnings on bank owned life insurance		528,512		520,785			1,547,445		1,274,777
Gain (loss) on disposal of assets		—		(1,100	)		32,599		13,266
Loss on write down of stock		—		(91,498	)		—		(152,496	)
Rental income		214,315		204,714			644,945		602,208
Income on marketable loans		990,474		411,850			2,329,160		1,342,201
Other fees and commissions		382,447		320,457			989,523		1,295,359
Total non-interest income		4,057,497		2,805,335			10,078,048		7,788,407
Non-interest expense
Salaries and benefits		7,717,352		7,491,736			22,451,706		20,178,521
Occupancy and equipment		2,337,124		2,349,691			7,185,918		6,572,733
Data processing		782,593		659,926			2,270,503		1,971,747
FDIC insurance and State of Maryland assessments		62,535		278,109			571,151		786,506
Merger and integration		—		2,282,705			—		9,404,507
Core deposit premium amortization		654,046		663,685			1,961,631		1,516,734
Loss on sales of other real estate owned		—		26,266			—		80,738
OREO expense (income)		59,272		(99,957	)		126,771		113,032
Directors fees		166,050		172,550			515,550		539,750
Network services		119,144		127,226			349,909		302,038
Telephone		221,293		269,070			702,990		725,976
Other operating		2,715,009		2,441,331			7,678,720		6,539,421
Total non-interest expense		14,834,418		16,662,338			43,814,849		48,731,703

Income before income taxes		12,316,014		10,721,132			35,648,901		23,698,694
Income tax expense		3,131,785		2,456,303			9,048,418		6,642,850
Net income		9,184,229		8,264,829			26,600,483		17,055,844

Basic earnings per common share	$	0.54	$	0.49		$	1.56	$	1.12
Diluted earnings per common share	$	0.54	$	0.48		$	1.55	$	1.10

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

Old Line Bancshares, Inc. & Subsidiaries

Consolidated Statements of Comprehensive Income

(Unaudited)

Three Months Ended September 30,	2019			2018
Net income	$	9,184,229		$	8,264,829

Other comprehensive income (loss):
Unrealized (loss) gain on securities available for sale, net of taxes of $364,356, and ($392,117), respectively		959,733			(1,032,857	)
Reclassification adjustment for realized gain on securities available for sale included in net income, net of taxes of ($149,766) and $0, respectively		(394,493	)		—
Other comprehensive income (loss)		565,240			(1,032,857	)
Comprehensive income	$	9,749,469		$	7,231,972

Nine Months Ended September 30,	2019			2018
Net income	$	26,600,483		$	17,055,844

Other comprehensive income (loss):
Unrealized (loss) gain on securities available for sale, net of taxes of $2,669,706, and ($1,708,971), respectively		7,032,090			(4,501,518	)
Reclassification adjustment for realized gain on securities available for sale included in net income, net of taxes of ($154,163) and $0, respectively		(406,023	)		—
Other comprehensive income (loss)		6,626,067			(4,501,518	)
Comprehensive income		33,226,550			12,554,326

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

Old Line Bancshares, Inc. & Subsidiaries

Consolidated Statement of Changes in Stockholders’ Equity

(Unaudited)

													Accumulated
							Additional						other			Total
	Common stock						paid-in			Retained			comprehensive			Stockholders’
	Shares			Par value			capital			earnings			income (loss)			Equity
Balance December 31, 2018		17,031,052		$	170,311		$	293,501,107		$	82,628,356		$	(5,529,240	)	$	370,770,534
Net income attributable to Old Line Bancshares, Inc.		—			—			—			8,504,174			—			8,504,174
Other comprehensive income		—			—			—			—			2,807,204			2,807,204
Stock based compensation awards		—			—			291,715			—			—			291,715
Stock options exercised		2,400			24			48,907			—			—			48,931
Restricted stock issued		28,191			282			(282	)		—			—			—
Stock buyback		(10,074	)		(101	)		(251,090	)		—			—			(251,191	)
Common stock cash dividends $0.12 per share		—			—			—			(2,047,969	)		—			(2,047,969	)
Balance March 31, 2019		17,051,569		$	170,516		$	293,590,357		$	89,084,561		$	(2,722,036	)	$	380,123,398
Net income attributable to Old Line Bancshares, Inc.		—			—			—			8,912,080			—			8,912,080
Other comprehensive income		—			—			—			—			3,253,624			3,253,624
Stock based compensation awards		—			—			368,206			—			—			368,206
Stock buyback		(52,423	)		(525	)		(1,304,919	)		—			—			(1,305,444	)
Common stock cash dividends $0.12 per share		—			—			—			(2,040,355	)		—			(2,040,355	)
Balance June 30, 2019		16,999,146		$	169,991		$	292,653,644		$	95,956,286		$	531,588		$	389,311,509
Net income attributable to Old Line Bancshares, Inc.		—			—			—			9,184,229			—			9,184,229
Other comprehensive income		—			—			—			—			565,240			565,240
Stock based compensation awards		—			—			340,217			—			—			340,217
Common stock cash dividends $0.12 per share		—			—			—			(2,040,348	)		—			(2,040,348	)
Balance September 30, 2019		16,999,146		$	169,991		$	292,993,861		$	103,100,167		$	1,096,828		$	397,360,847

Balance December 31, 2017		12,508,332		$	125,083		$	148,882,865		$	61,054,487		$	(2,335,249	)	$	207,727,186
Net income attributable to Old Line Bancshares, Inc.		—			—			—			6,065,182			—			6,065,182
Other comprehensive loss		—			—			—			—			(2,303,310	)		(2,303,310	)
Tax Cut and Jobs Act		—			—			—			459,973			(459,973	)		—
Stock based compensation awards		—			—			288,559			—			—			288,559
Stock options exercised		38,921			389			520,507			—			—			520,896
Restricted stock issued		19,443			195			(195	)		—			—			—
Common stock cash dividends $0.08 per share		—			—			—			(1,005,723	)		—			(1,005,723	)
Balance March 31, 2018		12,566,696		$	125,667		$	149,691,736		$	66,573,919		$	(5,098,532	)	$	211,292,790
Net income attributable to Old Line Bancshares, Inc.		—			—			—			2,725,833			—			2,725,833
Other comprehensive loss		—			—			—			—			(1,165,351	)		(1,165,351	)
Acquisition of Bay Bancorp, Inc.		4,408,087			44,081			142,601,614			—			—			142,645,695
Stock based compensation awards		—			—			280,751			—			—			280,751
Stock options exercised		14,100			141			262,578			—			—			262,719
Common stock cash dividends $0.10 per share		—			—			—			(1,698,000	)		—			(1,698,000	)
Balance June 30, 2018		16,988,883		$	169,889		$	292,836,679		$	67,601,752		$	(6,263,883	)	$	354,344,437
Net income attributable to Old Line Bancshares, Inc.		—			—			—			8,264,829			—			8,264,829
Other comprehensive loss		—			—			—			—			(1,032,857	)		(1,032,857	)
Stock based compensation awards		—			—			302,974			—			—			302,974
Common stock cash dividends $0.10 per share		—			—			—			(1,699,192	)		—			(1,699,192	)
Balance September 30, 2018		16,988,883		$	169,889		$	293,139,653		$	74,167,389		$	(7,296,740	)	$	360,180,191

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

Old Line Bancshares, Inc. & Subsidiaries

Consolidated Statements of Cash Flows

(Unaudited)

	Nine Months Ended September 30,
	2019			2018
Cash flows from operating activities
Net income	$	26,600,483		$	17,055,844
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation and amortization		2,379,624			2,334,125
Provision for loan losses		942,758			1,235,023
Change in deferred loan fees net of costs		(595,490	)		(791,450	)
Gain on sales or calls of securities		(560,186	)		—
Amortization of premiums and discounts		547,518			636,357
Origination of loans held for sale		(120,463,317	)		(77,092,451	)
Proceeds from sale of loans held for sale		107,165,053			71,324,767
Loss on write down of stock		—			152,496
Loss on sales of other real estate owned		—			80,738
Gain on sale of fixed assets		(32,599	)		(13,266	)
Amortization of intangible assets		1,961,631			1,516,734
Deferred income taxes		286,390			278,439
Stock based compensation awards		1,000,138			872,284
Increase (decrease) in
Accrued interest payable		(391,858	)		171,712
Income tax payable		—			(2,157,375	)
Supplemental executive retirement plan		117,553			230,263
Other liabilities		(1,450,261	)		(436,815	)
Decrease (increase) in
Accrued interest receivable		(2,063	)		(882,542	)
Bank owned life insurance		(1,247,119	)		(1,059,152	)
Annuity plan		41,699			(316,818	)
Income tax receivable		4,891,076			1,134,944
Other assets		(614,964	)		(86,942	)
Net cash provided by operating activities	$	20,576,066		$	14,186,915
Cash flows from investing activities
Cash and cash equivalents of acquired bank, net of cash consideration		—			21,617,611
Purchase of investment securities available for sale		(104,025,115	)		(20,483,491	)
Proceeds from disposal of investment securities
Available for sale at maturity, call or paydowns		64,350,481			15,876,726
Available for sale sold		—			51,650,175
Loans made, net of principal collected		(62,921,587	)		(141,256,263	)
Purchase of bank owned life insurance		—			(8,500,000	)
Proceeds from sale of other real estate owned		—			1,495,173
Change in equity securities		263,947			(1,745,803	)
Purchase of premises and equipment		(1,828,077	)		(1,093,079	)
Proceeds from the sale of premises and equipment		32,599			13,266
Net cash used in investing activities		(104,127,752	)		(82,425,685	)
Cash flows from financing activities
Net increase (decrease) in
Time deposits		2,269,821			245,116,710
Other deposits		115,027,070			(197,147,516	)
Short term borrowing advances		1,305,000,000			1,389,200,000
Short term borrowing repayments		(1,328,806,184	)		(1,350,377,081	)
Long term borrowings		198,052			198,051
Proceeds from stock options exercised		48,931			783,615
Repurchase of stock through stock repurchase program		(1,556,634	)		—
Cash dividends paid-common stock		(6,128,672	)		(4,402,915	)
Net cash provided by financing activities		86,052,384			83,370,864

Net increase in cash and cash equivalents		2,500,698			15,132,094

Cash and cash equivalents at beginning of period		44,500,618			35,174,111
Cash and cash equivalents at end of period	$	47,001,316		$	50,306,205

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

Old Line Bancshares, Inc. & Subsidiaries

Consolidated Statements of Cash Flows (continued)

(Unaudited)

	Nine Months Ended September 30,
	2019		2018
Supplemental Disclosure of Cash Flow Information:
Cash paid during the period for:
Interest	$	24,023,527	$	14,197,656
Income taxes	$	5,750,804	$	7,600,000
Supplemental Disclosure of Non-Cash Flow Operating Activities:
Loans transferred to other real estate owned	$	209,124	$	1,041,079
Loans transferred to available for sale - BYBK acquisition	$	—	$	21,643,292
Initial recognition of right of use asset	$	26,395,472	$	—
Initial recognition of right of use liability	$	26,692,114	$	—

	2019		2018
Fair value of assets and liabilities from acquisition:
Fair value of assets acquired	$	—	$	650,194,375
Other intangible assets acquired		—		80,828,494
Fair value of liabilities assumed		—		(587,403,791	)
Total merger consideration	$	—	$	143,619,078

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

OLD LINE BANCSHARES INC. AND SUBSIDIARIES

NOTES TO CONSOLIDATED FINANCIAL STATEMENTS

(Unaudited)

1.	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Organization and Description of Business - Old Line Bancshares, Inc. (“Old Line Bancshares”) was incorporated under the laws of the State of Maryland on April 11, 2003 to serve as the holding company of Old Line Bank. The primary business of Old Line Bancshares is to own all of the capital stock of Old Line Bank. We provide a full range of banking services to customers located in Anne Arundel, Baltimore, Baltimore City, Calvert, Carroll, Charles, Frederick, Harford, Howard, Montgomery, Prince George’s, and St. Mary’s Counties in Maryland and surrounding areas.

As previously announced, on July 23, 2019, Old Line Bancshares and Old Line Bank entered into an Agreement and Plan of Merger with Wesbanco, Inc. ("WesBanco") and Wesbanco Bank, Inc., pursuant to which Old Line Bancshares will merge with and into Wesbanco (the “Merger”) and Old Line Bank will merge into Wesbanco Bank. We expect that the Merger will be consummated during the fourth quarter of 2019. Please see Note 12 to our consolidated financial statements, “Pending Acquisition,” for more information.

Basis of Presentation and Consolidation - The accompanying condensed consolidated financial statements include the activity of Old Line Bancshares and its wholly owned subsidiary, Old Line Bank. We have eliminated all significant intercompany transactions and balances.

The foregoing consolidated financial statements for the periods ended September 30, 2019 and 2018 are unaudited and have been prepared in accordance with U.S. generally accepted accounting principles (“U.S. GAAP”), however, in the opinion of management we have included all adjustments necessary for a fair presentation of the results of the interim period. We derived the balances as of December 31, 2018 from audited financial statements. These statements should be read in conjunction with Old Line Bancshares’ financial statements and accompanying notes included in Old Line Bancshares’ Form 10-K for the year ended December 31, 2018. We have made no significant changes to Old Line Bancshares’ accounting policies as disclosed in the Form 10-K, except as described in the Recent Accounting Pronouncements section below.

Accounting Changes - Accounting Standards Update (“ASU”) 2016-02, Leases (Topic 842) requires that lessees and lessors recognize lease assets and lease liabilities on the balance sheet and disclose key information about leasing arrangements. ASU 2016-02 was effective for us on January 1, 2019. ASU 2016-02 provides for a modified retrospective transition approach requiring lessees to recognize and measure leases on the balance sheet at the beginning of either the earliest period presented or as of the beginning of the period of adoption with the option to elect certain practical expedients. We elected to apply ASU 2016-02 at of the beginning of the period of adoption (January 1, 2019) and have not restated comparative periods.

Our operating leases relate primarily to office space and bank branches. As a result of implementing ASU 2016-02, we recognized an operating lease right-of-use (“ROU”) asset of $26.2 million and an operating lease liability of $26.5 million on January 1, 2019, with no impact on our consolidated statements of income or consolidated statements of cash flows compared to the prior lease accounting model. The ROU asset and operating lease liability are recorded in other assets and other liabilities, respectively, in the consolidated balance sheets. See Note 11 - Leases for additional information.

Use of Estimates - The preparation of financial statements in conformity with U.S. 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. These estimates and assumptions may affect the reported amounts of revenues and expenses during the reporting period. Actual results could differ from these estimates. A material estimate that is particularly susceptible to significant change in the near term relates to the determination of the allowance for loan losses.

Reclassifications - We have made certain reclassifications to the 2018 financial presentation to conform to the 2019 presentation. These reclassifications did not change net income or stockholders’ equity.

Recent Accounting Pronouncements

In June 2016, the Financial Accounting Standards Board (“FASB”) issued ASU 2016-13, Financial Instruments – Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, which sets forth a “current expected credit loss” (“CECL”) model requiring Old Line Bancshares to measure all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions and reasonable supportable forecasts. This replaces the existing incurred loss model and is applicable to the measurement of credit losses on financial assets measured at amortized cost and applies to some off-balance sheet credit exposures. For public business entities that are U.S. Securities and Exchange Commission filers, the amendments in this update are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. Old Line Bancshares has constituted a committee that has the responsibility to gather loan information and consider acceptable methodologies to comply with this ASU. The committee meets periodically to discuss the latest developments and committee members keep themselves updated on such developments via webcasts, publications, and conferences. We have also evaluated and selected a third party vendor solution to assist us in the application of ASU 2016-13. The adoption of ASU 2016-13 is likely to result in an increase in the allowance for loan losses as a result of changing from an “incurred loss” model, which encompasses allowances for current known and inherent losses within the portfolio, to an “expected loss” model, which encompasses allowances for losses expected to be incurred over the life of the portfolio. We are currently awaiting final comparison results on the parallel model compared to the CECL model. Due to the expected merger with WesBanco, the CECL model will be transitioned into and with WesBanco’s model. Old Line Bancshares’ evaluation indicates that the provisions of ASU 2016-13 will impact its consolidated financial statements, in particular the level of the reserve for loan losses. We are, however, continuing to evaluate the extent of the potential impact.

In March 2017, FASB issued ASU 2017-08, Premium Amortization on Purchased Callable Debt Securities. This ASU shortens the amortization period for the premium on certain purchased callable debt securities to the earliest call date. Previously, entities generally amortized the premium over the contractual life of the security. The guidance does not change the accounting for purchased callable debt securities held at a discount; the discount continues to be amortized to maturity. ASU 2017-08 was effective for interim and annual reporting periods beginning after December 15, 2018; early adoption was permitted. The guidance calls for a modified retrospective transition approach under which a cumulative-effect adjustment will be made to retained earnings as of the beginning of the first reporting period in which the guidance is adopted. The adoption of this guidance did not have a material impact on Old Line Bancshares’ consolidated financial statements.

In July 2018, FASB issued ASU 2018-11, Leases (Topic 842): Targeted Improvements. The amendments set forth therein provide entities with an additional (and optional) transition method to adopt the new leases standard set forth in ASU 2016-02. Under such new transition method, an entity initially applies the new leases standard at the adoption date and recognizes a cumulative-effect adjustment to the opening balance of retained earnings in the period of adoption. Consequently, an entity’s reporting for the comparative periods presented in the financial statements in which it adopts the new leases standard will continue to be in accordance with U.S. GAAP (Topic 840, Leases). The amendments also provide lessors with a practical expedient, by class of underlying asset, to not separate non-lease components from the associated lease component and, instead, to account for those components as a single component if the non-lease components otherwise would be accounted for under the new revenue guidance (Topic 606) and certain criteria are met. If the non-lease component or components associated with the lease component are the predominant component of the combined component, an entity is required to account for the combined component in accordance with Topic 606. Otherwise, the entity must account for the combined component as an operating lease in accordance with Topic 842. The amendments have the same effective date as ASU 2016-02 (January 1, 2019 for Old Line Bancshares). Old Line Bancshares elected the transition options. ASU 2018-11 did not have a material impact on our consolidated financial statements.

ASU 2019-01, Leases (Topic 842), provides clarifications to increase transparency and comparability among organizations by recognizing lease assets and liabilities on the balance sheet and disclosing essential information about leasing transactions. Specifically, ASU 2019-01 (i) allows the fair value of the underlying asset reported by lessors that are not manufacturers or dealers to continue to be its cost and not fair value as measured under the fair value definition, (ii) allows for the cash flows received for sales-type and direct financing leases to continue to be presented as results from investing, and (iii) clarifies that entities do not have to disclose the effect of the lease standard on adoption year interim amounts. ASU 2019-01 will be effective for us on January 1, 2020 and will not have a material impact on our consolidated financial statements.

ACQUISITION OF BAY BANCORP, INC.

On April 13, 2018, Old Line Bancshares acquired Bay Bancorp, Inc. (“BYBK”), the parent company of Bay Bank, FSB (“Bay Bank”). Upon the consummation of the merger, each share of common stock of BYBK outstanding immediately before the merger was converted into the right to receive 0.4088 shares of Old Line Bancshares’ common stock, provided that cash was paid in lieu of any fractional shares of Old Line Bancshares common stock. As a result, Old Line Bancshares issued 4,408,087 shares of its common stock in exchange for the shares of BYBK common stock in the merger. The aggregate merger consideration was approximately $143.6 million based on the closing sales price of Old Line Bancshares’ common stock on April 13, 2018.

In connection with the merger, Bay Bank merged with and into Old Line Bank, with Old Line Bank the surviving bank.

At April 13, 2018, BYBK had consolidated assets of approximately $661 million. This merger added eleven banking locations located in BYBK’s primary market areas of Baltimore City and Anne Arundel, Baltimore, Howard and Harford Counties in Maryland.

The BYBK transaction was accounted for using the acquisition method of accounting and, accordingly, assets acquired, liabilities assumed and consideration exchanged were recorded at estimated fair value on the acquisition date. Management made significant estimates and exercised significant judgment in accounting for the acquisition of BYBK. Management judgmentally assigned risk ratings to loans based on appraisals and estimated collateral values, expected cash flows, prepayment speeds and estimated loss factors to measure fair value for loans. Management used quoted or current market prices to determine the fair value of BYBK’s investment securities.

The following table provides the purchase price as of the acquisition date and the identifiable assets acquired and liabilities assumed at their estimated fair values.

Purchase Price Consideration
Cash consideration	$	973,383
Purchase price assigned to shares exchanged for stock		142,645,695
Total purchase price for BYBK acquisition		143,619,078

Fair Value of Assets Acquired
Cash and due from banks	$	22,590,994
Investment securities		51,895,757
Restricted equity securities, at cost		2,339,700
Loans, net		546,215,988
Premises and equipment		3,127,963
Accrued interest receivable		1,714,054
Accrued taxes receivable		1,912,807
Deferred income taxes		1,219,602
Bank owned life insurance		16,319,198
Other real estate owned		1,041,079
Core deposit intangible		11,243,714
Other assets		1,817,233
Total assets acquired	$	661,438,089
Fair Value of Liabilities assumed
Deposits	$	541,368,907
Short term borrowings		41,100,000
Other liabilities		4,934,884
Total liabilities assumed	$	587,403,791
Fair Value of net assets acquired		74,034,298
Total Purchase Price		143,619,078

Goodwill recorded for BYBK	$	69,584,780

INVESTMENT SECURITIES

Presented below is a summary of the amortized cost and estimated fair value of securities.

			Gross		Gross
	Amortized		unrealized		unrealized			Estimated
	cost		gains		losses			fair value
September 30, 2019
Available for sale
U.S. Treasury	$	2,992,763	$	3,018	$	—		$	2,995,781
U.S. government agency		59,034,066		1,126,506		(23,138	)		60,137,434
Corporate bonds		18,611,304		387,435		—			18,998,739
Foreign bonds		7,000,000		2,025		(17	)		7,002,008
Municipal securities		77,726,662		1,168,288		(382	)		78,894,568
Mortgage backed securities:
FHLMC certificates		17,009,957		19,704		(301,524	)		16,728,137
FNMA certificates		58,733,502		151,114		(945,451	)		57,939,165
GNMA certificates		25,913,190		80,616		(154,963	)		25,838,843
Total available for sale securities	$	267,021,444	$	2,938,706	$	(1,425,475	)	$	268,534,675

December 31, 2018
Available for sale
U.S. Treasury	$	3,003,410	$	—	$	(10,910	)	$	2,992,500
U.S. government agency		19,123,653		—		(517,475	)		18,606,178
Corporate bonds		18,615,768		227,691		(4,231	)		18,839,228
Foreign bonds		3,500,000		98		—			3,500,098
Municipal securities		79,416,920		19,392		(2,147,608	)		77,288,704
Mortgage backed securities
FHLMC certificates		19,079,921		962		(1,007,115	)		18,073,768
FNMA certificates		56,720,930		—		(3,062,170	)		53,658,760
GNMA certificates		27,873,539		—		(1,127,013	)		26,746,526
Total available for sale securities	$	227,334,141	$	248,143	$	(7,876,522	)	$	219,705,762

At September 30, 2019 and December 31, 2018, securities with unrealized losses segregated by length of impairment were as follows:

	September 30, 2019
	Less than 12 months				12 Months or More				Total
	Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	value		losses		value		losses		value		losses
U.S. government agency	$	—	$	—	$	3,922,889	$	23,138	$	3,922,889	$	23,138
Foreign debt securities		499,983		17		—		—		499,983		17
Municipal securities		495,906		382		—		—		495,906		382
Mortgage backed securities
FHLMC certificates		—		—		15,124,875		301,524		15,124,875		301,524
FNMA certificates		—		—		47,004,928		945,451		47,004,928		945,451
GNMA certificates		—		—		12,415,077		154,963		12,415,077		154,963
Total	$	995,889	$	399	$	78,467,769	$	1,425,076	$	79,463,658	$	1,425,475

	December 31, 2018
	Less than 12 months				12 Months or More				Total
	Fair		Unrealized		Fair		Unrealized		Fair		Unrealized
	value		losses		value		losses		value		losses
U.S. Treasury	$	1,503,516	$	1,313	$	1,488,984	$	9,597	$	2,992,500	$	10,910
U.S. government agency		1,357,980		26,795		15,288,957		490,680		16,646,937		517,475
Corporate bonds		2,995,769		4,231		—		—		2,995,769		4,231
Municipal securities		13,707,759		100,387		54,243,374		2,047,221		67,951,133		2,147,608
Mortgage backed securities
FHLMC certificates		1,715,756		26,062		16,293,413		981,053		18,009,169		1,007,115
FNMA certificates		1,164,291		11,023		52,494,470		3,051,147		53,658,761		3,062,170
GNMA certificates		8,871,024		138,099		17,875,503		988,914		26,746,527		1,127,013
Total	$	31,316,095	$	307,910	$	157,684,701	$	7,568,612	$	189,000,796	$	7,876,522

At September 30, 2019 and December 31, 2018, we had 65 and 166 investment securities, respectively, in an unrealized loss position for 12 months or more and 2 and 34 securities, respectively, in an unrealized loss position for less than 12 months. We consider all unrealized losses on securities as of September 30, 2019 to be temporary losses because we will redeem each security at face value at or prior to maturity. We have the ability and intent to hold these securities until recovery or maturity. As of September 30, 2019, we do not have the intent to sell any of the securities classified as available for sale and believe that it is more likely than not that we will not have to sell any such securities before a recovery of cost. In most cases, market interest rate fluctuations cause a temporary impairment in value. We expect the fair value to recover as the investments approach their maturity date or re-pricing date or if market yields for these investments decline. We do not believe that credit quality caused the impairment in any of these securities. Because we believe these impairments are temporary, we have not realized any loss in our consolidated statement of income.

Gain on sales or calls of investment securities for the nine months ended September 30, 2019 is the result of ten callable agencies that were called compared to no sales or calls for the comparable nine months last year.

Contractual maturities and pledged securities at September 30, 2019 are shown below. Actual maturities will differ from contractual maturities because borrowers may have the right to call or prepay obligations with or without prepayment penalties. We classify mortgage-backed securities (“MBS”) based on contractual maturity date. However, we receive payments on a monthly basis.

	Available for Sale
	Amortized		Fair
September 30, 2019	cost		value

Maturing
Within one year	$	5,497,172	$	5,501,382
Over one to five years		7,291,284		7,307,682
Over five to ten years		89,753,727		91,175,688
Over ten years		164,479,261		164,549,923
Total	$	267,021,444	$	268,534,675
Pledged securities	$	121,507,956	$	120,840,383

LOANS

Major classifications of loans held for investment are as follows:

	September 30, 2019									December 31, 2018
	Legacy (1)			Acquired			Total			Legacy (1)			Acquired			Total

Commercial Real Estate
Owner Occupied	$	309,452,786		$	124,699,211		$	434,151,997		$	299,266,275		$	140,892,706		$	440,158,981
Investment		662,296,193			175,779,493			838,075,686			592,529,807			195,883,002			788,412,809
Hospitality		231,201,755			18,957,943			250,159,698			172,189,046			13,134,019			185,323,065
Land and A&D		81,167,986			7,034,455			88,202,441			71,908,761			21,760,867			93,669,628
Residential Real Estate
First Lien-Investment		127,305,162			40,180,391			167,485,553			104,084,050			48,483,340			152,567,390
First Lien-Owner Occupied		108,338,535			123,386,650			231,725,185			108,696,078			140,221,589			248,917,667
Residential Land and A&D		42,648,776			10,016,798			52,665,574			42,639,161			16,828,434			59,467,595
HELOC and Jr. Liens		22,149,070			35,570,762			57,719,832			20,749,184			41,939,123			62,688,307
Commercial and Industrial		255,088,072			64,195,020			319,283,092			239,766,662			91,431,724			331,198,386
Consumer		13,004,012			25,708,210			38,712,222			16,289,147			34,919,111			51,208,258
Total loans		1,852,652,347			625,528,933			2,478,181,280			1,668,118,171			745,493,915			2,413,612,086
Allowance for loan losses		(7,780,318	)		(221,034	)		(8,001,352	)		(7,004,839	)		(466,184	)		(7,471,023	)
Deferred loan costs, net		3,742,124			—			3,742,124			3,086,635			—			3,086,635
Net loans	$	1,848,614,153		$	625,307,899		$	2,473,922,052		$	1,664,199,967		$	745,027,731		$	2,409,227,698

__________________

(1)

As a result of the acquisitions of Maryland Bankcorp, Inc. (“Maryland Bankcorp”), the parent company of Maryland Bank & Trust Company, N.A. (“MB&T”), in April 2011, WSB Holdings Inc., the parent company of The Washington Savings Bank (“WSB”), in May 2013, Regal Bancorp, Inc. (“Regal”), the parent company of Regal Bank & Trust (“Regal Bank”), in December 2015, DCB Bancshares, Inc. (“DCB”), the parent company of Damascus Community Bank (“Damascus”), in July 2017, and BYBK, the parent company of Bay Bank, in April 2018, we have segmented the portfolio into two components, “Legacy” loans originated by Old Line Bank and “Acquired” loans acquired from MB&T, WSB, Regal Bank, Damascus and Bay Bank.

Credit Policies and Administration

We have adopted a comprehensive lending policy, which includes stringent underwriting standards for all types of loans. We have designed our underwriting standards to promote a complete banking relationship rather than a transactional relationship. Our lending staff follows pricing guidelines established periodically by our management team. In an effort to manage risk, prior to funding the loan committee, consisting of four non-employee members of the board of directors and four executive officers, must approve by majority vote all credit decisions in excess of a lending officer’s lending authority. Management believes that we employ experienced lending officers, secure appropriate collateral and carefully monitor the financial condition of our borrowers and the concentrations of loans in the portfolio.

In addition to the internal business processes employed in the credit administration area, Old Line Bank retains an outside independent firm to review the loan portfolio. This firm performs a detailed annual review and an interim update. We use the results of the firm’s report to validate our internal ratings and we review the commentary on specific loans and on our loan administration activities in order to improve our operations.

Commercial Real Estate Loans

We finance commercial real estate for our clients, for owner occupied and investment properties, hospitality and land acquisition and development. Commercial real estate loans totaled $1.61 billion and $1.51 billion, respectively, at September 30, 2019 and December 31, 2018. This lending has involved loans secured by owner-occupied commercial buildings for office, storage and warehouse space, as well as non-owner occupied commercial buildings. Our underwriting criteria for commercial real estate loans include maximum loan-to-value ratios, debt coverage ratios, secondary sources of repayments, guarantor requirements, net worth requirements and quality of cash flows. Loans secured by commercial real estate may be large in size and may involve a greater degree of risk than one-to-four family residential mortgage loans. Payments on such loans are often dependent on successful operation or management of the properties. We will generally finance owner occupied commercial real estate that does not exceed loan to value of 80% and investor real estate at a maximum loan to value of 75%.

Commercial real estate lending entails significant risks. Risks inherent in managing our commercial real estate portfolio relate to sudden or gradual drops in property values as well as changes in the economic climate that may detrimentally impact the borrower’s ability to repay. We monitor the financial condition and operating performance of the borrower through a review of annual tax returns and updated financial statements. In addition, we meet with the borrower and/or perform site visits as required.

At September 30, 2019, we had approximately $250.2 million of commercial real estate loans outstanding to the hospitality industry. An individual review of these loans indicates that they generally have a low loan to value, more than acceptable existing or projected cash flow, are to experienced operators and are generally dispersed throughout the region.

Residential Real Estate Loans

We offer a variety of consumer oriented residential real estate loans including home equity lines of credit, home improvement loans and first or second mortgages on owner occupied and investment properties. Our residential loan portfolio amounted to $509.6 million and $523.6 million, respectively, at September 30, 2019 and December 31, 2018. Although most of these loans are in our market area, the diversity of the individual loans in the portfolio reduces our potential risk. Usually, we secure our residential real estate loans with a security interest in the borrower’s primary or secondary residence with a loan to value not exceeding 85%. Our initial underwriting includes an analysis of the borrower’s debt/income ratio, which generally may not exceed 43%, collateral value, length of employment and prior credit history. A credit score of at least 640 is required, except for loans originated for sale in the secondary market, as discussed below. We do not originate any subprime residential real estate loans.

This segment of our portfolio also consists of funds advanced for construction of custom single family residences homes (where the home buyer is the borrower) and financing to builders for the construction of pre-sold homes and multi-family housing. These loans generally have short durations, meaning maturities typically of twelve months or less. Old Line Bank limits its construction lending risk through adherence to established underwriting procedures. These loans generally have short durations, meaning maturities typically of twelve months or less. Residential houses, multi-family dwellings and commercial buildings under construction and the underlying land for which the loan was obtained secure the construction loans. The vast majority of these loans are concentrated in our market area.

Construction lending also entails significant risk. These risks generally involve larger loan balances concentrated with single borrowers with funds advanced upon the security of the land or the project under construction. An appraisal of the property estimates the value of the project “as is and as if” completed. An appraisal of the property estimates the value of the project prior to completion of construction. Thus, initial funds are advanced based on the current value of the property with the remaining construction funds advanced under a budget sufficient to successfully complete the project within the “as completed” loan to value. To further mitigate the risks, we generally limit loan amounts to 80% or less of appraised values and obtain first lien positions on the property.

We generally only offer real estate construction financing only to experienced builders, commercial entities or individuals who have demonstrated the ability to obtain a permanent loan “take-out” (conversion to a permanent mortgage upon completion of the project). We also perform a complete analysis of the borrower and the project under construction. This analysis includes a review of the cost to construct, the borrower’s ability to obtain a permanent “take-out” the cash flow available to support the debt payments and construction costs in excess of loan proceeds, and the value of the collateral. During construction, we advance funds on these loans on a percentage of completion basis. We inspect each project as needed prior to advancing funds during the term of the construction loan. We may provide permanent financing on the same projects for which we have provided the construction financing.

We also offer fixed rate home improvement loans. Our home equity and home improvement loan portfolio gives us a diverse client base. Although most of these loans are in our market area, the diversity of the individual loans in the portfolio reduces our potential risk. Usually, we secure our home equity loans and lines of credit with a security interest in the borrower’s primary or secondary residence.

Under our loan approval policy, all residential real estate loans approved must comply with federal regulations. Generally, we will make residential mortgage loans in amounts up to the limits established by Fannie Mae and Freddie Mac for secondary market resale purposes. Currently this amount for single-family residential loans varies from $484,350 up to a maximum of $726,525 for certain high-cost designated areas. We also make residential mortgage loans up to limits established by the Federal Housing Administration, which currently is $726,525. The Washington, D.C. and Baltimore areas are both considered high-cost designated areas. We will, however, make loans in excess of these amounts if we believe that we can sell the loans in the secondary market or that the loans should be held in our portfolio. For loans we originate for sale in the secondary market, we typically require a credit score of 620 or higher, with some exceptions provided we receive an approval recommendation from FannieMae, FreddieMac or the Federal Housing Administration’s automated underwriting approval system. Loans sold in the secondary market are sold to investors on a servicing released basis and recorded as loans as held for sale. The premium is recorded in income on marketable loans in non-interest income, net of commissions paid to the loan officers.

Commercial and Industrial Lending

Our commercial and industrial lending consists of lines of credit, revolving credit facilities, accounts receivable financing, term loans, equipment loans, Small Business Administration loans, standby letters of credit and unsecured loans. We originate commercial loans for any business purpose including the financing of leasehold improvements and equipment, the carrying of accounts receivable, general working capital, and acquisition activities. We have a diverse client base and we do not have a concentration of these types of loans in any specific industry segment. We generally secure commercial business loans with accounts receivable, equipment, deeds of trust and other collateral such as marketable securities, cash value of life insurance and time deposits at Old Line Bank.

Commercial business loans have a higher degree of risk than residential mortgage loans because the availability of funds for repayment generally depends on the success of the business. They may also involve high average balances, increased difficulty monitoring and a high risk of default. To help manage this risk, we typically limit these loans to proven businesses and we generally obtain appropriate collateral and personal guarantees from the borrower’s principal owners and monitor the financial condition of the business. For loans in excess of $250,000, monitoring generally includes a review of the borrower’s annual tax returns and updated financial statements.

Consumer Installment Lending

We offer various types of secured and unsecured consumer loans. We make consumer loans for personal, family or household purposes as a convenience to our customer base. Consumer loans, however, are not a focus of our lending activities. The underwriting standards for consumer loans include a determination of the applicant’s payment history on other debts and an assessment of his or her ability to meet existing obligations and payments on the proposed loan. As a general guideline, a consumer’s total debt service should not exceed 40% of his or her gross income.

Our consumer loan portfolio includes indirect loans, which consists primarily of auto and RV loans. These loans are financed through dealers and the dealers receive a percentage of the finance charge, which varies depending on the terms of each loan. We use the same underwriting standards in originating these indirect loans as we do for consumer loans generally.

Consumer loans may present greater credit risk than residential mortgage loans because many consumer loans are unsecured or rapidly depreciating assets secure these loans. Repossessed collateral for a defaulted consumer loan may not provide an adequate source of repayment of the outstanding loan balance because of the greater likelihood of damage, loss or depreciation. Consumer loan collections depend on the borrower’s continuing financial stability. If a borrower suffers personal financial difficulties, the consumer may not repay the loan. Also, various federal and state laws, including bankruptcy and insolvency laws, may limit the amount we can recover on such loans.

Concentrations of Credit

Most of our lending activity occurs within the state of Maryland within the suburban Washington, D.C. and Baltimore market areas in Baltimore City and Anne Arundel, Baltimore, Calvert, Carroll, Charles, Frederick, Harford, Howard, Montgomery, Prince George’s and St. Mary’s Counties. The majority of our loan portfolio consists of commercial real estate loans and residential real estate loans.

Non-Accrual and Past Due Loans

We consider loans past due if the borrower has not paid the required principal and interest payments when due under the original or modified terms of the promissory note and place a loan on non-accrual status when the payment of principal or interest has become 90 days past due. When we classify a loan as non-accrual, we no longer accrue interest on such loan and we reverse any interest previously accrued but not collected. We will generally restore a non-accrual loan to accrual status when the borrower brings delinquent principal and interest payments current and we expect to collect future monthly principal and interest payments. We recognize interest on non-accrual legacy loans only when received. We originally recorded purchased, credit-impaired loans at fair value upon acquisition, and an accretable yield is established and recognized as interest income on purchased loans to the extent subsequent cash flows support the estimated accretable yield. Purchased, credit-impaired loans that perform consistently with the accretable yield expectations are not reported as non-accrual or nonperforming. However, purchased, credit-impaired loans that do not continue to perform according to accretable yield expectations are considered impaired, and presented as non-accrual and nonperforming. Currently, management expects to fully collect the carrying value of acquired, credit-impaired loans.

The table below presents an age analysis of the loans held for investment portfolio at September 30, 2019 and December 31, 2018.

Age Analysis of Past Due Loans

	Age Analysis of Past Due Loans
	September 30, 2019						December 31, 2018
	Legacy		Acquired		Total		Legacy		Acquired		Total
Current	$	1,841,048,778	$	614,066,133	$	2,455,114,911	$	1,659,191,112	$	729,738,007	$	2,388,929,119
Accruing past due loans:
30 - 89 days past due
Commercial Real Estate:
Owner Occupied		1,692,891		—		1,692,891		3,990,558		—		3,990,558
Investment		1,716,554		3,099,400		4,815,954		1,729,404		3,849,944		5,579,348
Residential Real Estate:
First Lien-Investment		—		479,052		479,052		179,701		896,227		1,075,928
First Lien-Owner Occupied		90,884		1,684,528		1,775,412		94,178		3,062,084		3,156,262
Land and A&D		622,365		—		622,365		883,460		413,191		1,296,651
HELOC and Jr. Liens		100,227		512,939		613,166		119,924		790,989		910,913
Commercial and Industrial		2,615,507		1,253,843		3,869,350		670,318		1,444,347		2,114,665
Consumer		136,811		602,432		739,243		320,071		1,338,813		1,658,884
Total 30 - 89 days past due		6,975,239		7,632,194		14,607,433		7,987,614		11,795,595		19,783,209
90 or more days past due
Commercial Real Estate:
Investment		—		—		—		—		139,247		139,247
Residential Real Estate:
First-Investment		—		83,391		83,391		—		—		—
First Lien-Owner Occupied		—		771,798		771,798		—		103,365		103,365
Commercial and Industrial		58,665		—		58,665		—		—		—
Consumer		15,419		—		15,419		—		54		54
Total 90 or more days past due		74,084		855,189		929,273		—		242,666		242,666
Total accruing past due loans		7,049,323		8,487,383		15,536,706		7,987,614		12,038,261		20,025,875
Recorded Investment Non-accruing loans:
Commercial Real Estate:
Owner Occupied		2,691,810		249,087		2,940,897		—		182,261		182,261
Investment		576,671		52,646		629,317		—		51,070		51,070
Land and A&D		—		10,000		10,000		—		45,000		45,000
Residential Real Estate:
First Lien-Investment		392,490		130,973		523,463		192,501		292,758		485,259
First Lien-Owner Occupied		243,846		1,446,632		1,690,478		262,194		2,027,974		2,290,168
Land and A&D		284,129		199,234		483,363		277,704		201,737		479,441
HELOC and Jr. Liens		—		788,585		788,585		—		690,732		690,732
Commercial and Industrial		336,179		10,435		346,614		191,388		45,269		236,657
Consumer		29,071		87,825		116,896		15,658		180,846		196,504
Non-accruing past due loans:		4,554,196		2,975,417		7,529,613		939,445		3,717,647		4,657,092
Total Loans	$	1,852,652,297	$	625,528,933	$	2,478,181,230	$	1,668,118,171	$	745,493,915	$	2,413,612,086

We consider all nonperforming loans and troubled debt restructurings (“TDRs”) to be impaired. We do not recognize interest income on nonperforming loans during the time period that the loans are nonperforming. We only recognize interest income on nonperforming loans when we receive payment in full for all amounts due of all contractually required principle and interest, and the loan is current with its contractual terms. The tables below present our impaired loans at and for the periods ended September 30, 2019 and December 31, 2018.

	Impaired Loans
							Three months September 30, 2019				Nine months September 30, 2019
	Unpaid						Average		Interest		Average		Interest
	Principal		Recorded		Related		Recorded		Income		Recorded		Income
	Balance		Investment		Allowance		Investment		Recognized		Investment		Recognized
Legacy
With no related allowance recorded:
Commercial Real Estate:
Owner Occupied	$	4,388,978	$	4,388,978	$	—	$	4,408,758	$	26,298		4,390,510	$	113,063
Investment		1,661,904				—		1,665,461		6,348		1,672,558		37,937
Land and A&D		—		—		—		—		—		—		—
Residential Real Estate:
First Lien-Investment		177,569		177,569		—		177,569		—		178,361		4,344
First Lien-Owner Occupied		554,426		554,426		—		585,780		4,763		594,879		17,992
Commercial and Industrial		388,132		388,132		—		396,657		3,817		404,026		10,573
Consumer		18,371		18,371		—		19,857		473		20,986		1,346
With an allowance recorded:
Commercial Real Estate:
Residential Real Estate:
First Lien-Investment		214,921		214,921		36,621		213,397		—		199,543		—
First Lien-Owner Occupied		141,717		141,717		—		137,449		—		136,898		—
Land and A&D		284,179		284,179		35,000		284,179		—		283,663		—
Commercial and Industrial		261,831		261,831		92,424		262,469		—		263,095		402
Consumer		10,700		10,700		1,328		11,730		157		12,200		927
Total legacy impaired		8,102,728		6,440,824		165,373		8,163,306		41,856		8,156,719		186,584
Acquired(1)
With no related allowance recorded:
Commercial Real Estate:
Owner Occupied		268,416		268,416		—		268,197		—		267,605		—
Investment		72,408		72,408		—		163,876		—		163,876		—
Land and A&D		—		—		—		—		—		—		—
Residential Real Estate:
First Lien-Owner Occupied		1,578,372		1,566,765		—		1,696,380		21,155		1,706,748		95,104
First Lien-Investment		—		—		—		—		—		—		—
Land and A&D		52,325		52,325		—		59,432		950		60,299		4,168
HELOC and Jr. Lien		575,505		575,505		—		641,739		4,821		651,554		20,181
Commercial		—		—		—		—		—		—		—
Consumer		93,903		93,903		—		107,108		2,489		119,554		7,692
With an allowance recorded:
Commercial Real Estate:
Investment		—		—		—		—		—		—		—
Land and A&D		293,376		10,000		10,000		293,376		—		316,506		—
Residential Real Estate:
Land and A&D		157,628		157,628		86,434		162,348		—		161,556		—
First Lien-Investment		131,636		131,636		35,160		139,152		6,397		135,530		7,905
First Lien-Owner Occupied		67,633		67,633		26,865		68,922		719		69,375		2,532
HELOC and Jr. Lien		226,635		226,635		56,048		253,151				255,925		3,674
Commercial and Industrial		84,995		84,995		4,435		84,898		—		85,797		1,341
Consumer		17,753		17,753		2,092		26,486		—		27,308		654
Total acquired impaired		3,620,585		3,325,602		221,034		3,965,065		36,531		4,021,633		143,251
Total impaired	$	11,723,313	$	9,766,426	$	386,407	$	12,128,371	$	78,387		12,178,352	$	329,835

__________________

(1)

U.S. GAAP requires that we record acquired loans at fair value at acquisition, which includes a discount for loans with credit impairment. These purchased credit impaired loans are not performing according to their contractual terms and meet the definition of an impaired loan. Although we do not accrue interest income at the contractual rate on these loans, we do recognize an accretable yield as interest income to the extent such yield is supported by cash flow analysis of the underlying loans.

Impaired Loans
December 31, 2018

	Unpaid						Average		Interest
	Principal		Recorded		Related		Recorded		Income
	Balance		Investment		Allowance		Investment		Recognized
Legacy
With no related allowance recorded:
Commercial Real Estate:
Owner Occupied	$	1,737,394	$	1,737,394	$	—	$	1,766,117	$	74,203
Investment		1,688,661		1,688,661		—		1,716,183		88,410
Residential Real Estate:
First Lien-Owner Occupied		262,194		262,194		—		285,514		11,412
Land and A&D		277,704		277,704		—		277,704		—
Commercial and Industrial		486,048		486,048		—		509,971		18,595
Consumer		1,495		1,495		—		10,707		1,130
With an allowance recorded:
Residential Real Estate:
First Lien-Owner Occupied
First Lien-Investment		192,501		192,501		39,420		192,501		—
Commercial and Industrial		148,349		148,349		13,149		152,898		3,926
Consumer		14,163		14,163		1,416		27,217		1,129
Total legacy impaired		4,808,509		4,808,509		53,985		4,938,812		198,805
Acquired(1)
With no related allowance recorded:
Commercial Real Estate:
Owner Occupied		283,083		232,635		—		542,654		3,281
Residential Real Estate:
First Lien-Owner Occupied		2,127,854		2,011,286		—		2,159,327		38,636
Land and A&D		58,659		58,659		—		62,178		2,896
Consumer		22,139		22,139		—		26,027		364
With an allowance recorded:
Commercial Real Estate:
Owner Occupied
Investment		72,408		72,408		14,340		163,876		2,750
First Lien-Owner Occupied		459,033		459,033		98,008		482,422		7,695
First Lien-Investment		298,187		298,187		62,701		310,862		7,871
Land and A&D		154,297		154,297		99,517		159,819		—
HELOC and Jr. Lien		533,565		533,565		78,814		534,204		12,254
Commercial and Industrial		48,750		48,750		48,750		48,750		237
Consumer		188,102		188,102		19,053		231,978		11,619
Total acquired impaired		4,810,584		4,359,717		466,183		5,289,532		96,107
Total impaired	$	9,619,093	$	9,168,226	$	520,168	$	10,228,344	$	294,912

__________________

(1)

We consider a loan a TDR when we conclude that both of the following conditions exist: the restructuring constitutes a concession and the debtor is experiencing financial difficulties. Restructured loans at September 30, 2019 consisted of seven loans for an aggregate of $2.2 million compared to seven loans for an aggregate of $2.4 million at December 31, 2018.

We had no loan modifications reported as TDRs during the three or nine months ended September 30, 2019. We had one loan modification reported as a TDR during the nine months ended September 30, 2018. We had no loans that were modified as a TDR that defaulted during the three or nine-month periods ended September 30, 2019 or 2018.

The following table includes the recorded investment in and number of modifications of TDRs for the three and nine months ended September 30, 2019 and 2018. We report the recorded investment in loans prior to a modification and also the recorded investment in the loans after the loans were restructured. Reductions in the recorded investment are primarily due to the partial charge-off of the principal balance prior to the modification. We had no loans that were modified as a TDR that defaulted within three months of the modification date during the three- or nine-month periods ended September 30, 2019 and 2018.

Loans Modified as a TDR for the three months ended

September 30, 2019

September 30, 2018

Pre-

Post

Pre-

Post

Modification

Outstanding

Troubled Debt Restructurings—

#of

Recorded

#of

Recorded

(Dollars in thousands)

Contracts

Investment

Contracts

Investment

Legacy

Residential Real Estate Owner Occupied

—

Total legacy TDRs

—

Loans Modified as a TDR for the nine months ended

September 30, 2019

September 30, 2018

Pre-

Post

Pre-

Post

Modification

Outstanding

Troubled Debt Restructurings—

#of

Recorded

#of

Recorded

(Dollars in thousands)

Contracts

Investment

Contracts

Investment

Legacy

Consumer

—

28,009

27,009

Total legacy TDRs

—

28,009

27,009

Acquired impaired loans

The following table documents changes in the accretable (premium) discount on acquired impaired loans during the nine months ended September 30, 2019 and 2018, along with the outstanding balances and related carrying amounts for the beginning and end of those respective periods.

	September 30, 2019			September 30, 2018
Balance at beginning of period	$	124,090		$	115,066
Additions due to BYBK acquisition		—			50,984
Accretion of fair value discounts		(1,375,970	)		(873,308	)
Reclassification (to)/from non-accretable discount		1,334,580			847,153
Balance at end of period	$	82,700		$	139,895

	Contractually
	Required Payments
	Receivable		Carrying Amount
At September 30, 2019	$	9,125,242	$	7,976,188
At December 31, 2018		11,146,165		9,396,862
At September 30, 2018		17,975,448		14,109,972
At December 31, 2017		8,277,731		6,617,774

Credit Quality Indicators

We review the adequacy of the allowance for loan losses at least quarterly. We base the evaluation of the adequacy of the allowance for loan losses upon loan categories. We categorize loans as residential real estate loans, commercial real estate loans, commercial loans and consumer loans. We further divide commercial real estate loans by owner occupied, investment, hospitality and land acquisition and development. We also divide residential real estate by owner occupied, investment, land acquisition and development and junior liens. All categories are divided by risk rating and loss factors and weighed by risk rating to determine estimated loss amounts. We evaluate delinquent loans and loans for which management has knowledge about possible credit problems of the borrower or knowledge of problems with collateral separately and assign loss amounts based upon the evaluation.

We determine loss ratios for all loans based upon a review of the three year loss ratio for the category and qualitative factors.

We charge off loans that management has identified as losses. We consider suggestions from our external loan review firm and bank examiners when determining which loans to charge off. We automatically charge off consumer loan accounts based on regulatory requirements. We partially charge off real estate loans that are collateral dependent based on the value of the collateral.

If a loan that was previously rated a pass performing loan, from our acquisitions, deteriorates subsequent to the acquisition, the subject loan will be assessed for risk and, if necessary, evaluated for impairment. If the risk assessment rating is adversely changed and the loan is determined to not be impaired, the loan will be placed in a migration category and the credit mark established for the loan will be compared to the general reserve allocation that would be applied using the current allowance for loan losses formula for General Reserves. If the credit mark exceeds the allowance for loan losses formula for General Reserves, there will be no change to the allowance for loan losses. If the credit mark is less than the current allowance for loan losses formula for General Reserves, the allowance for loan losses will be increased by the amount of the shortfall by a provision recorded in the income statement. If the loan is deemed impaired, the loan will be subject to evaluation for loss exposure and a specific reserve. If the estimate of loss exposure exceeds the credit mark, the allowance for loan losses will be increased by the amount of the excess loss exposure through a provision. If the credit mark exceeds the estimate of loss exposure there will be no change to the allowance for loan losses. If a loan from the acquired loan portfolio is carrying a specific credit mark and a current evaluation determines that there has been an increase in loss exposure, the allowance for loan losses will be increased by the amount of the current loss exposure in excess of the credit mark.

The following tables outline the class of loans by risk rating at September 30, 2019 and December 31, 2018:

	Account Balance
September 30, 2019	Legacy		Acquired		Total
Risk Rating
Pass(1 - 5)
Commercial Real Estate:
Owner Occupied	$	303,183,923	$	122,143,948	$	425,327,871
Investment		659,590,203		74,557,546		734,147,749
Hospitality		231,201,755		18,957,943		250,159,698
Land and A&D		81,167,986		6,839,775		88,007,761
Residential Real Estate:
First Lien-Investment		126,493,210		37,115,151		163,608,361
First Lien-Owner Occupied		108,036,843		118,639,242		226,676,085
Land and A&D		40,330,083		9,718,740		50,048,823
HELOC and Jr. Liens		22,149,070		33,850,157		55,999,227
Commercial		252,223,178		61,748,358		313,971,536
Consumer		12,974,941		25,495,847		38,470,788
		1,837,351,192		509,066,707		2,346,417,899
Special Mention(6)
Commercial Real Estate:
Owner Occupied		408,090		1,261,341		1,669,431
Investment		1,044,086		915,223		1,959,309
Land and A&D		—		184,681		184,681
Residential Real Estate:
First Lien-Investment		280,873		1,746,159		2,027,032
First Lien-Owner Occupied		57,846		1,945,545		2,003,391
Land and A&D		2,034,514		98,824		2,133,338
HELOC and Jr. Liens		—		845,111		845,111
Commercial		1,401,346		2,364,123		3,765,469
Consumer		—		97,199		97,199
		5,226,755		9,458,206		14,684,961
Substandard(7)
Commercial Real Estate:
Owner Occupied		5,860,773		1,293,922		7,154,695
Investment		1,661,904		306,724		1,968,628
Land and A&D		—		10,000		10,000
Residential Real Estate:
First Lien-Investment		531,079		1,319,081		1,850,160
First Lien-Owner Occupied		243,846		2,801,863		3,045,709
Land and A&D		284,179		199,234		483,413
HELOC and Jr. Liens		—		875,493		875,493
Commercial		1,463,548		82,539		1,546,087
Consumer		29,071		115,164		144,235
		10,074,400		7,004,020		17,078,420
Doubtful(8)		—		—		—
Loss(9)		—		—		—
Total	$	1,852,652,347	$	525,528,933	$	2,378,181,280

	Account Balance
December 31, 2018	Legacy		Acquired		Total
Risk Rating
Pass(1 - 5)
Commercial Real Estate:
Owner Occupied	$	293,682,007	$	137,978,800	$	431,660,807
Investment		589,763,511		194,092,985		783,856,496
Hospitality		172,189,046		13,134,019		185,323,065
Land and A&D		71,908,761		21,514,420		93,423,181
Residential Real Estate:
First Lien-Investment		103,270,617		45,431,446		148,702,063
First Lien-Owner Occupied		108,371,748		134,959,907		243,331,655
Land and A&D		40,268,376		16,524,667		56,793,043
HELOC and Jr. Liens		20,749,184		41,196,500		61,945,684
Commercial		237,713,832		89,049,308		326,763,140
Consumer		16,273,489		34,674,679		50,948,168
		1,654,190,571		728,556,731		2,382,747,302
Special Mention(6)
Commercial Real Estate:
Owner Occupied		420,347		1,303,849		1,724,196
Investment		1,077,635		557,687		1,635,322
Land and A&D		—		201,447		201,447
Residential Real Estate:
First Lien-Investment		289,618		1,709,025		1,998,643
First Lien-Owner Occupied		62,136		1,522,737		1,584,873
Land and A&D		2,093,081		102,030		2,195,111
Commercial		174,729		174,429		349,158
Consumer		—		30,848		30,848
		4,117,546		5,602,052		9,719,598
Substandard(7)
Commercial Real Estate:
Owner Occupied		5,163,921		1,610,057		6,773,978
Investment		1,688,661		1,232,330		2,920,991
Land and A&D		—		45,000		45,000
Residential Real Estate:
First Lien-Investment		523,815		1,342,869		1,866,684
First Lien-Owner Occupied		262,194		3,738,945		4,001,139
Land and A&D		277,704		201,737		479,441
HELOC and Jr. Liens		—		742,623		742,623
Commercial		1,878,101		2,207,987		4,086,088
Consumer		15,658		213,584		229,242
		9,810,054		11,335,132		21,145,186
Doubtful(8)		—		—		—
Loss(9)		—		—		—
Total	$	1,668,118,171	$	745,493,915	$	2,413,612,086

The following table details activity in the allowance for loan losses by portfolio segment for the three- and nine-month periods ended September 30, 2019 and 2018. Allocation of a portion of the allowance to one category of loans does not preclude its availability to absorb losses in other categories.

	Commercial			Commercial		Residential
Three Months Ended September 30, 2019	and Industrial			Real Estate		Real Estate			Consumer			Total
Beginning balance	$	1,665,674		$	4,882,255	$	1,283,903		$	57,903		$	7,889,735
Provision for loan losses		(54,913	)		279,425		91,970			139,518			456,000
Recoveries		400			417		6,119			19,424			26,360
Total		1,611,161			5,162,097		1,381,992			216,845			8,372,095
Loans charged off		(48,750	)		—		(165,498	)		(156,495	)		(370,743	)
Ending Balance	$	1,562,411		$	5,162,097	$	1,216,494		$	60,350		$	8,001,352

	Commercial			Commercial		Residential
Nine Months Ended September 30, 2019	and Industrial			Real Estate		Real Estate			Consumer			Total
Beginning balance	$	1,562,740		$	4,728,694	$	1,081,394		$	98,195		$	7,471,023
Provision for loan losses		41,176			432,152		248,477			220,953			942,758
Recoveries		11,353			1,251		53,149			58,320			124,073
Total		1,615,269			5,162,097		1,383,020			377,468			8,537,854
Loans charged off		(52,858	)		—		(166,526	)		(317,118	)		(536,502	)
Ending Balance	$	1,562,411		$	5,162,097	$	1,216,494		$	60,350		$	8,001,352
Amount allocated to:
Legacy Loans:
Individually evaluated for impairment	$	92,424		$	—	$	71,621		$	1,328		$	165,373
Other loans not individually evaluated		1,465,552			5,152,097		939,200			58,096			7,614,945
Acquired Loans:
Individually evaluated for impairment		4,435			10,000		205,673			926			221,034
Ending balance	$	1,562,411		$	5,162,097	$	1,216,494		$	60,350		$	8,001,352

	Commercial			Commercial		Residential
Three Months Ended September 30, 2018	and Industrial			Real Estate		Real Estate		Consumer			Total
Beginning balance	$	1,680,448		$	4,196,752	$	749,630	$	77,747		$	6,704,577
Provision for loan losses		(141,751	)		303,547		34,609		111,465			307,870
Recoveries		65,819			417		3,119		5,127			74,482
Total		1,604,516			4,500,716		787,358		194,339			7,086,929
Loans charged off		—			—		—		(106,879	)		(106,879	)
Ending Balance	$	1,604,516		$	4,500,716	$	787,358	$	87,460		$	6,980,050

	Commercial		Commercial		Residential
Nine Months Ended September 30, 2018	and Industrial		Real Estate		Real Estate			Consumer			Total
Beginning balance	$	1,262,030	$	3,783,735	$	844,355		$	30,466		$	5,920,586
Provision for loan losses		273,017		716,147		(70,403	)		316,262			1,235,023
Recoveries		69,469		834		15,230			11,980			97,513
Total		1,604,516		4,500,716		789,182			358,708			7,253,122
Loans charged off		—		—		(1,824	)		(271,248	)		(273,072	)
Ending Balance	$	1,604,516	$	4,500,716	$	787,358		$	87,460		$	6,980,050
Amount allocated to:
Legacy Loans:
Individually evaluated for impairment	$	93,892	$	—	$	76,495		$	—		$	170,387
Other loans not individually evaluated		1,441,108		4,500,716		525,749			60,852			6,528,425
Acquired Loans:
Individually evaluated for impairment		69,516		—		185,114			26,608			281,238
Ending balance	$	1,604,516	$	4,500,716	$	787,358		$	87,460		$	6,980,050

Our recorded investment in loans at September 30, 2019 and 2018 related to each balance in the allowance for probable loan losses by portfolio segment and disaggregated on the basis of our impairment methodology was as follows:

	Commercial		Commercial		Residential
September 30, 2019	and Industrial		Real Estate		Real Estate		Consumer		Total
Legacy loans:
Individually evaluated for impairment with specific reserve	$	261,831	$	—	$	640,817	$	10,700	$	913,348
Individually evaluated for impairment without specific reserve		388,132		6,050,882		731,995		18,371		7,189,380
Other loans not individually evaluated		254,438,109		1,278,067,839		299,068,731		12,974,940		1,844,549,619
Acquired loans:
Individually evaluated for impairment with specific reserve subsequent to acquisition (ASC 310-20 at acquisition)		84,995		10,000		583,532		17,753		696,280
Individually evaluated for impairment without specific reserve (ASC 310-20 at acquisition)		—		340,824		2,194,595		93,903		2,629,322
Individually evaluated for impairment without specific reserve (ASC 310-30 at acquisition)		172,609		3,234,991		4,568,592		—		7,976,192
Collectively evaluated for impairment without reserve (ASC 310-20 at acquisition)		63,937,416		322,885,287		201,807,881		25,596,555		614,227,139
Ending balance	$	319,283,092	$	1,610,589,823	$	509,596,143	$	38,712,222	$	2,478,181,280

	Commercial		Commercial		Residential
September 30, 2018	and Industrial		Real Estate		Real Estate		Consumer		Total
Legacy loans:
Individually evaluated for impairment with specific reserve	$	93,892	$	—	$	242,592	$	—	$	336,484
Individually evaluated for impairment without specific reserve		509,772		3,453,579		494,423		—		4,457,774
Other loans not individually evaluated		215,125,991		1,113,299,121		258,804,372		17,671,242		1,604,900,726
Acquired loans:
Individually evaluated for impairment with specific reserve subsequent to acquisition (ASC 310-20 at acquisition)		68,888		45,000		407,735		27,009		548,632
Individually evaluated for impairment without specific reserve (ASC 310-20 at acquisition)		167,560		773,457		2,720,353		52,730		3,714,100
Individually evaluated for impairment without specific reserve (ASC 310-30 at acquisition)		559,248		7,872,328		5,664,394		14,000		14,109,970
Collectively evaluated for impairment without reserve (ASC 310-20 at acquisition)		96,617,110		379,553,784		245,912,416		38,603,984		760,687,294
Ending balance	$	312,642,461	$	1,504,997,269	$	514,246,285	$	56,368,965	$	2,388,254,980

OTHER REAL ESTATE OWNED

The fair value of other real estate owned was $1.1 million at September 30, 2019 and December 31, 2018. As a result of the acquisitions of Maryland Bankcorp, WSB Holdings, Regal and BYBK, we have segmented other real estate owned (“OREO”) into two components, real estate obtained as a result of loans originated by Old Line Bank (legacy) and other real estate acquired from MB&T, WSB, Regal Bank and Bay Bank or obtained as a result of loans originated by MB&T, WSB, Regal Bank and Bay Bank (acquired); we did not acquire any OREO properties in the DCB acquisition. We are currently aggressively either marketing these properties for sale or improving them in preparation for sale.

The following outlines the transactions in OREO during the period.

Nine Months ended September 30, 2019	Legacy		Acquired		Total
Beginning balance	$	—	$	882,510	$	882,510
Real estate acquired through foreclosure of loans		—		209,124		209,124
Sales/deposits on sales		—		—		—
Net realized gain/(loss)		—		—		—
Total end of period	$	—	$	1,091,634	$	1,091,634

Residential Foreclosures and Repossessed Assets — Once all potential alternatives for reinstatement are exhausted, past due loans collateralized by residential real estate are referred for foreclosure proceedings in accordance with local requirements of the applicable jurisdiction. Once possession of the property collateralizing the loan is obtained, the repossessed property will be recorded within other assets either as OREO or, where management has both the intent and ability to recover its losses through a government guarantee, as a foreclosure claim receivable. At September 30, 2019 and December 31, 2018, residential foreclosures classified as OREO totaled $544 thousand. We had six loans for an aggregate of $474 thousand secured by residential real estate in process of foreclosure at September 30, 2019 compared to five loans for $786 thousand at December 31, 2018.

6.	EARNINGS PER COMMON SHARE

We determine basic earnings per common share by dividing net income by the weighted average number of shares of common stock outstanding giving retroactive effect to stock dividends.

We calculate diluted earnings per common share by including the average dilutive common stock equivalents outstanding during the period. Dilutive common equivalent shares consist of stock options, calculated using the treasury stock method.

	Three Months Ended				Nine Months Ended
	September 30,				September 30,
	2019		2018		2019		2018
Weighted average number of shares		16,999,146		16,988,883		17,021,359		15,277,219
Dilutive average number of shares		17,129,181		17,187,837		17,146,723		15,485,452

STOCK-BASED COMPENSATION

For the three months ended September 30, 2019 and 2018, we recorded stock-based compensation expense of $340,217 and $302,974, respectively. For the nine months ended September 30, 2019 and 2018, we recorded stock-based compensation expense of $1,000,138 and $872,284, respectively. At September 30, 2019, there was $2.0 million of total unrecognized compensation cost related to non-vested stock options that we expect to realize over the next 2.0 years. As of September 30, 2019, there were 167,213 shares remaining available for future issuance under the 2010 equity incentive plan. The officers exercised 4,370 options during the nine-month period ended September 30, 2019 compared to 53,021 options exercised during the nine-month period ended September 30, 2018.

For purposes of determining estimated fair value of stock options, we have computed the estimated fair value of all stock-based compensation using the Black-Scholes option pricing model and, for stock options granted prior to December 31, 2018, we have applied the assumptions set forth in Old Line Bancshares’ Annual Report on Form 10-K for the year ended December 31, 2018. Restricted stock awards are valued at the current stock price on the date of the award. During the nine months ended September 30, 2019, there were no stock options granted compared to 50,000 stock options granted during the nine months ended September 30, 2018. The weighted average grant date fair value of the 2018 stock options is $8.90 and was computed using the Black-Scholes option pricing model under similar assumptions.

During the nine months ended September 30, 2019 and 2018, we granted 28,191 and 19,443 restricted common stock awards, respectively. The weighted average grant date fair value of these restricted stock awards was $28.74 at September 30, 2019. At September 30, 2019, there was $5.0 million of total unrecognized compensation cost related to restricted stock awards that we expect to realize over the next 2.5 years. There were 667 restricted shares forfeited during the nine-month period ended September 30, 2019 and no restricted shares forfeited during the nine-month period ended September 30, 2018.

FAIR VALUE MEASUREMENT

The fair value of an asset or liability is the price that participants would receive to sell an asset or pay to transfer a liability in an orderly transaction between market participants. A fair value measurement assumes that the transaction to sell the asset or transfer the liability occurs in the principal market for the asset or liability, or, in the absence of a principal market, the most advantageous market for the asset or liability. The price in the principal (or most advantageous) market used to measure the fair value of the asset or liability shall not be adjusted for transaction costs. An orderly transaction is a transaction that assumes exposure to the market for a period prior to the measurement date to allow for marketing activities that are usual and customary for transactions involving such assets and liabilities; it is not a forced transaction. Market participants are buyers and sellers in the principal market that are (i) independent, (ii) knowledgeable, (iii) able to transact and (iv) willing to transact.

The fair value hierarchy established by accounting standards defines three input levels for fair value measurement. The applicable standard describes three levels of inputs that may be used to measure fair value: Level 1 is based on quoted market prices in active markets for identical assets. Level 2 is based on significant observable inputs other than Level 1 prices. Level 3 is based on significant unobservable inputs that reflect a company’s own assumptions about the assumption that market participants would use in pricing an asset or liability. We evaluate fair value measurement inputs on an ongoing basis in order to determine if there is a change of sufficient significance to warrant a transfer between levels. There were no transfers between levels during the three and nine months ended September 30, 2019 or the year ended December 31, 2018.

At September 30, 2019, we hold, as part of our investment portfolio, available for sale securities reported at fair value consisting of municipal securities, U.S. government sponsored entities, corporate bonds, and MBS. Prior to September 30, 2019, corporate bonds included our foreign debt securities (Israel bonds) that we have now moved into a separate classification. The fair value of the majority of these securities is determined using widely accepted valuation techniques including matrix pricing and broker quote-based applications. Inputs include benchmark yields, reported trades, issuer spreads, prepayments speeds and other relevant items, which inputs are used by a third-party pricing service we use to make these determinations.

To validate the appropriateness of the valuations provided by the third party, we regularly update the understanding of the inputs used and compare valuations to an additional third party source. We classify all our investment securities available for sale in Level 2 of the fair value hierarchy, with the exception of treasury securities, which fall into Level 1, and our corporate bonds and our foreign debt securities, which fall into Level 3.

Assets and Liabilities Measured at Fair Value on a Recurring Basis

	At September 30, 2019 (In thousands)
			Quoted Prices in		Other		Significant		Total Changes
			Active Markets for		Observable		Unobservable		in Fair Values
			Identical Assets		Inputs		Inputs		Included in
	Carrying Value		(Level 1)		(Level 2)		(Level 3)		Period Earnings
Available-for-sale:
Treasury securities	$	2,996	$	2,996	$	—	$	—	$	—
U.S. government agency		60,137		—		60,137		—		—
Corporate bonds		18,999		—		—		18,999		—
Foreign debt securities		7,002		—		—		7,002
Municipal securities		78,895		—		78,895		—		—
FHLMC MBS		16,728		—		16,728		—		—
FNMA MBS		57,939		—		57,939		—		—
GNMA MBS		25,839		—		25,839		—		—
Total recurring assets at fair value	$	268,535	$	2,996	$	239,538	$	26,001	$	—

	At December 31, 2018 (In thousands)
			Quoted Prices in		Other		Significant		Total Changes
			Active Markets for		Observable		Unobservable		in Fair Values
			Identical Assets		Inputs		Inputs		Included in
	Carrying Value		(Level 1)		(Level 2)		(Level 3)		Period Earnings
Available-for-sale:
Treasury securities	$	2,993	$	2,993	$	—	$	—	$	—
U.S. government agency		18,606		—		18,606		—		—
Corporate bonds		18,843		—		—		18,843		—
Foreign debt securities		3,496		—		—		3,496		—
Municipal securities		77,289		—		77,289		—		—
FHLMC MBS		18,074		—		18,074		—		—
FNMA MBS		53,659		—		53,659		—		—
GNMA MBS		26,746		—		26,746		—		—
Total recurring assets at fair value	$	219,706	$	2,993	$	194,374	$	22,339	$	—

Our valuation methodologies may produce a fair value calculation that may not be indicative of net realizable value or reflective of future fair values. While management believes our methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value. Furthermore, we have not comprehensively revalued the fair value amounts since the presentation dates, and therefore, estimates of fair value after the balance sheet date may differ significantly from the above presented amounts.

The fair value of the majority of the securities in significant unobservable inputs (Level 3) is determined using widely accepted valuation techniques including matrix pricing and broker-quote based applications. Inputs include benchmark yields, reported trades, issuer spreads, prepayments speeds and other relevant items, which inputs are used by a third-party pricing service we use to make these determinations.

The following table provides a reconciliation of changes in fair value included in assets measured in the Consolidated Balance Sheet using inputs classified as level 3 in the fair value for the period indicated:

(in thousands)	Level 3
Investment available-for-sale
Balance as of January 1, 2019	$	22,339
Realized and unrealized gains (losses)
Included in earnings		—
Included in other comprehensive income		162
Purchases, issuances, sales and settlements		3,500
Transfers into or out of level 3		—
Balance at September 30, 2019	$	26,001

The fair value calculated may not be indicative of net realized value or reflective of future fair values.

Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis

We may be required, from time to time, to measure certain assets at fair value on a non-recurring basis in accordance with U.S. GAAP. These include assets that are measured at the lower of cost or market that were recognized at fair value below cost at the end of the period. Assets measured at fair value on a nonrecurring basis at September 30, 2019 and December 31, 2018 are included in the tables below.

We also measure certain non-financial assets such as OREO, TDRs, and repossessed or foreclosed property at fair value on a non-recurring basis. Generally, we estimate the fair value of these items using Level 2 inputs based on observable market data or Level 3 inputs based on discounting criteria.

	At September 30, 2019 (In thousands)
			Quoted Prices in		Other		Significant
			Active Markets for		Observable		Unobservable
			Identical Assets		Inputs		Inputs
	Carrying Value		(Level 1)		(Level 2)		(Level 3)
Impaired Loans
Legacy:	$	7,933		—		—	$	7,933
Acquired:		3,109		—		—		3,109
Total Impaired Loans		11,042		—		—		11,042

Other real estate owned:
Legacy:	$	—		—		—	$	—
Acquired:		1,092		—		—		1,092
Total other real estate owned:		1,092		—		—		1,092
Total	$	12,134	$	—	$	—	$	12,134

	At December 31, 2018 (In thousands)
			Quoted Prices in		Other		Significant
			Active Markets for		Observable		Unobservable
			Identical Assets		Inputs		Inputs
	Carrying Value		(Level 1)		(Level 2)		(Level 3)
Impaired Loans
Legacy:	$	2,745		—		—	$	2,745
Acquired:		3,894		—		—		3,894
Total Impaired Loans		6,639		—		—		6,639

Other real estate owned:
Legacy:	$	—		—		—	$	—
Acquired:		883		—		—		883
Total other real estate owned:		883		—		—		883
Total	$	7,522	$	—	$	—	$	7,522

As of September 30, 2019, and December 31, 2018, we estimated the fair value of impaired assets using Level 3 inputs to be $12.1 million and $7.5 million, respectively. We determined these Level 3 inputs based on appraisal evaluations, offers to purchase and/or appraisals that we obtained from an outside third party during the preceding twelve months less costs to sell. Discounts have predominantly been in the range of 0% to 50%. As a result of the acquisitions of Maryland Bankcorp, WSB Holdings, Regal, DCB and BYBK, we have segmented the impaired loans and OREO into two components, impaired assets obtained as a result of loans originated by Old Line Bank (legacy) and impaired assets acquired from MB&T, WSB, Regal Bank, DCB and Bay Bank or obtained as a result of loans originated by MB&T, WSB, Regal Bank and Bay Bank (acquired).

The following presents the carrying amount, fair value, and placement in the fair value hierarchy of Old Line Bancshares’ financial instruments not recorded at fair value on a recurring or non-recurring basis as of September 30, 2019 and December 31, 2018. For short term financial assets such as cash and cash equivalents, the carrying amount is a reasonable estimate of fair value due to the relatively short time between the origination of the instrument and its expected realization. For non-marketable equity securities, the carrying amount is a reasonable estimate of fair value as these securities can only be redeemed or sold at their par value and only to the respective issuing government-supported institution or to another member institution. For net loans receivable, an exit price notion is used consistent with ASC Topic 820-Fair Value Measurement. For financial liabilities such as noninterest-bearing demand, interest bearing demand, and savings deposits, the carrying amount is a reasonable estimate of fair value due to these products having no stated maturity.

	September 30, 2019 (in thousands)
					Quoted Prices		Significant		Significant
			Total		in Active		Other		Other
	Carrying		Estimated		Markets for		Observable		Unobservable
	Amount		Fair		Identical Assets		Inputs		Inputs
	(000’s)		Value		(Level 1)		(Level 2)		(Level 3)
Assets:
Cash and cash equivalents	$	47,001	$	47,001	$	47,001	$	—	$	—
Loans receivable, net		2,473,922		2,478,723		—		—		2,478,723
Loans held for sale		22,534		22,669		—		22,669		—
Equity Securities at cost		10,887		10,887		—		10,887		—
Accrued interest receivable		7,961		7,961		—		1,650		6,311
Liabilities:
Deposits:
Non-interest-bearing		620,136		620,136		—		620,136		—
Interest bearing		1,793,209		1,810,152		—		1,810,152		—
Short term borrowings		204,379		204,379		—		204,379		—
Long term borrowings		38,569		38,569		—		38,569		—
Accrued interest payable		2,453		2,453		—		2,453		—

	December 31, 2018 (in thousands)
					Quoted Prices		Significant		Significant
			Total		in Active		Other		Other
	Carrying		Estimated		Markets for		Observable		Unobservable
	Amount		Fair		Identical Assets		Inputs		Inputs
	(000’s)		Value		(Level 1)		(Level 2)		(Level 3)
Assets:
Cash and cash equivalents	$	44,501	$	44,501	$	44,501	$	—	$	—
Loans receivable, net		2,409,228		2,383,673		—		—		2,383,673
Loans held for sale		11,564		11,860		—		11,860		—
Equity Securities at cost		11,151		11,151		—		11,151		—
Accrued interest receivable		7,959		7,959		—		1,393		6,566
Liabilities:
Deposits:
Non-interest-bearing		559,060		559,060		—		559,060		—
Interest bearing		1,736,989		1,752,883		—		1,752,883		—
Short term borrowings		228,185		228,185		—		228,185		—
Long term borrowings		38,371		38,371		—		38,371		—
Accrued interest payable		2,845		2,845		—		2,845		—

9.	SHORT TERM BORROWINGS

Short term borrowings consist of promissory notes or overnight repurchase agreements sold to Old Line Bank’s customers, federal funds purchased and advances from the Federal Home Loan Bank of Atlanta (the “FHLB”). At September 30, 2019, we had $180.0 million outstanding in short term FHLB borrowings, compared to $190.0 million at December 31, 2018. At September 30, 2019 and December 31, 2018, we had no unsecured promissory notes and $24.4 million and $38.2 million, respectively, in secured promissory notes.

Securities Sold Under Agreements to Repurchase

To support the $24.4 million in repurchase agreements at September 30, 2019, we have provided collateral in the form of investment securities. At September 30, 2019 we have pledged $120.8 million in U.S. government agency securities and MBS to customers who require collateral for overnight repurchase agreements and deposits. Securities sold under agreements to repurchase are stated at the amount of cash received in connection with the transaction. As a result, there is no offsetting or netting of the investment securities assets with the repurchase agreement liabilities. We monitor collateral levels on a continuous basis. We may be required to provide additional collateral based on the fair value of the underlying securities in the event the collateral fair value falls below stipulated levels. We closely monitor the collateral levels to ensure adequate levels are maintained. Securities pledged as collateral under repurchase agreements are maintained with our safekeeping agents. We have the right to sell or re-pledge the investment securities. For government entity repurchase agreements, the collateral is held by Old Line Bank in a segregated custodial account under a tri-party agreement. The repurchase agreements totaling $24.4 million mature daily and will remain fully collateralized until the account has been closed or terminated.

10.

LONG TERM BORROWINGS

Long term borrowings consist of $35 million in aggregate principal amount of Old Line Bancshares 5.625% Fixed-to-Floating Rate Subordinated Notes due 2026 (the “Notes”). The Notes were issued pursuant to an indenture and a supplemental indenture, each dated as of August 15, 2016, between Old Line Bancshares and U.S. Bank National Association as Trustee. The Notes are unsecured subordinated obligations of Old Line Bancshares and rank equally with all other unsecured subordinated indebtedness currently outstanding or issued in the future. The Notes are subordinated in right of payment of all senior indebtedness.

Also included in long term borrowings are trust preferred subordinated debentures totaling $4.3 million (net of $2.4 million fair value adjustment) at September 30, 2019 acquired in the Regal acquisition. The trust preferred subordinated debentures consists of two trusts – Trust 1 in the amount of $4.0 million (fair value adjustment of $1.3 million) maturing on March 17, 2034 and Trust 2 in the amount of $2.5 million (fair value adjustment $1.1 million) maturing on December 14, 2035.

11.

LEASES

We have operating leases in which we are the lessee, and such leases are recorded on our consolidated balance sheets as operating lease ROU assets in other assets and operating lease liabilities in other liabilities. We are not a party to any significant finance leases pursuant to which we are the lessee.

Operating lease ROU assets represent our right to use an underlying asset during the lease term and operating lease liabilities represent our obligation to make lease payments arising from the lease during the lease term. We recognize ROU assets and operating lease liabilities at lease commencement based on the present value of the remaining lease payments using a discount rate that represents our incremental collateralized borrowing rate at the lease commencement date. We further adjust ROU assets for lease incentives. We recognize operating lease expense, which is comprised of amortization of the ROU asset and the implicit interest accreted on the operating lease liability, on a straight-line basis over the lease term, and record operating lease expense in net occupancy expense in the consolidated statements of income and other comprehensive income.

Our leases relate primarily to office space and bank branches with remaining lease terms of generally 1 to 20 years. Certain lease arrangements contain extension options that typically range from 5 to 10 years at the then fair market rental rates. As these extension options are not generally considered reasonably certain of exercise, we do not include them in the lease term.

The tables below summarizes our net lease cost:

The operating lease costs expense were as follows:

Three months ended September 30, 2019		$	744,472
Nine Months ended September 30, 2019		$	2,185,178

Supplemental cash flow information related to leases was as follows:

Three months ended September 30,	2019

Operating cash flows from operating leases	$	670,716

Right-of-use assets obtained in exchange for lease
Operating leases	$	466,526

Nine months ended September 30,

Operating cash flows from operating leases	$	1,948,934

Right-of-use assets obtained in exchange for lease
Operating leases	$	1,356,776

Supplemental balance sheet information related to leases was as follows:

Nine months ended September 30, 2019	2019

Operating lease right-of-use assets	$	27,743,459

Lease liabilities	$	28,276,343

Weighted Average Remaining Operating Lease Term In Years		12.68

Weighted Average Discount Rate on Operating Leases		3.00	%

Maturities of lease liabilities were as follows: (includes extensions of leases)

	Operating
	Leases

One year or less	$	1,902,749
One to three years		4,080,198
Three to five years		4,238,506
Thereafter		18,501,545
Total undiscounted cash flows		28,722,998
Discount of cash flows		(446,655	)
Total lease liability	$	28,276,343

12.

PENDING ACQUISITION

On July 23, 2019, Old Line Bancshares, Old Line Bank, Wesbanco, and Wesbanco Bank, Inc. (“WesBanco Bank”), entered into a definitive Agreement and Plan of Merger (the “Merger Agreement”) pursuant to which WesBanco will acquire Old Line Bancshares for consideration of approximately $500 million in stock (based on the closing price of WesBanco common stock on July 22, 2019). The Merger Agreement, which has been approved by the Boards of Directors of both companies and both banks, also provides that Old Line Bank will be merged with and into WesBanco Bank immediately following the completion of the Merger. All required stockholder approvals of Wesbanco and Old Line Bancshares were obtained on October 29, 2019.

Consummation of the Merger is subject to certain conditions, including, among others, the receipt of all required regulatory approvals. Please refer to our Current Report on Form 8-K filed on July 24, 2019, for further information and details relating to the Merger Agreement.

We expect that the Merger will be consummated during the fourth quarter of 2019.

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

Introduction

Some of the matters discussed below include forward-looking statements. Forward-looking statements often use words such as “believe,” “expect,” “plan,” “may,” “will,” “should,” “project,” “contemplate,” “anticipate,” “forecast,” “intend” or other words of similar meaning. You can also identify them by the fact that they do not relate strictly to historical or current facts. Our actual results and the actual outcome of our expectations and strategies could be different from those anticipated or estimated for the reasons discussed below and under the heading “Information Regarding Forward Looking Statements.”

In this report, references to the “Company,” “we,” “us,” and “ours” refer to Old Line Bancshares, Inc. and its subsidiary Old Line Bank, collectively, unless the context otherwise requires, and references to the “Bank” refer to Old Line Bank.

Overview

Old Line Bancshares was incorporated under the laws of the State of Maryland on April 11, 2003 to serve as the holding company of Old Line Bank.

On April 1, 2011, we acquired Maryland Bankcorp, Inc. (“Maryland Bankcorp”), the parent company of Maryland Bank & Trust Company, N.A (“MB&T”), on May 10, 2013, we acquired WSB Holdings, Inc. (“WSB Holdings”), the parent company of The Washington Savings Bank, F.S.B. (“WSB”), on December 4, 2015, we acquired Regal Bancorp, Inc. (“Regal”), the parent company of Regal Bank & Trust (“Regal Bank”), on July 28, 2017, we acquired DCB Bancshares, Inc. (“DCB”), the parent company of Damascus Community Bank (“Damascus”), and on April 13, 2018, we acquired Bay Bancorp, Inc. (“BYBK”), the parent company of Bay Bank, FSB (“Bay Bank”). The BYBK acquisition brought our assets to approximately $2.8 billion and we now operate 37 full service branches serving 11 Maryland counties and Baltimore City.

Proposed Merger with WesBanco, Inc.

On July 23, 2019, the Company, Old Line Bank, Wesbanco, Inc. (“WesBanco”), and Wesbanco Bank, Inc. (“WesBanco Bank”), entered into a definitive Agreement and Plan of Merger (the “Merger Agreement”) pursuant to which WesBanco will acquire the Company for consideration of approximately $500 million in stock (based on the closing price of WesBanco common stock on July 22, 2019) (the “Merger”). The Merger Agreement, which has been approved by the Boards of Directors of both companies and both banks, also provides that Old Line Bank will be merged with and into WesBanco Bank immediately following the completion of the Merger. All required stockholder approvals of Wesbanco and Old Line Bancshares were obtained on October 29, 2019.

We expect that the Merger will be consummated during the fourth quarter of 2019. References to our expectations, goals, and strategies, and similar statements, in this report with respect to periods that would occur after this time should be understood to be applicable only if the Merger is not consummated.

Summary of Recent Performance and Other Activities

Net income increased $919 thousand, or 11.12%, to $9.2 million for the three months ended September 30, 2019, compared to $8.3 million for the three-month period ended September 30, 2018. Earnings were $0.54 per basic and diluted common share for the three months ended September 30, 2019, compared to $0.49 per basic and $0.48 per diluted common share for the three months ended September 30, 2018. The increase in net income for the third quarter of 2019 as compared to the same 2018 period is primarily the result of a $1.8 million decrease in non-interest expenses and a $1.3 million increase in non-interest income, partially offset by a $1.3 million decrease in net interest income. Net income for the 2018 period included $2.3 million ($1.5 million net of taxes) of merger-related expenses (or $0.09 per basic and diluted common share) in connection with the Company’s acquisition of BYBK in April 2018.

Net income was $26.6 million for the nine months ended September 30, 2019, compared to $17.1 million for the same period last year, an increase of $9.5 million, or 55.96%. Earnings were $1.56 per basic and $1.55 per diluted common share for the nine months ended September 30, 2019, compared to $1.12 per basic and $1.10 per diluted common share for the same period last year. The increase in net income is primarily the result of increases of $4.5 million in net interest income and $2.3 million in non-interest income and a decrease of $4.9 million in non-interest expenses. Included in net income for the 2018 period was $9.4 million ($7.6 million net of taxes, or $0.50 per basic and diluted common share) for merger-related expenses associated with the acquisition of BYBK.

The following highlights contain additional financial data and events that have occurred during the three- and nine-month periods ended September 30, 2019:

	•	Average gross loans increased $49.9 million, or 2.08%, and $302.3 million, or 14.20%, respectively, to $2.4 billion for each of the three- and nine-month periods ended September 30, 2019, compared to $2.1 billion and $2.4 billion, respectively, during the three and nine months ended September 30, 2018.

	•	Loans originated and sold in the secondary market were $120.5 million for the nine months ended September 30, 2019 compared to $77.1 million for the same nine-month period last year, resulting in an increase in income on marketable loans of $987 thousand compared to the same period last year.

	•	Total yield on interest earning assets increased to 4.68% for the nine months ended September 30, 2019, compared to 4.60% for the same period last year. Conversely, total yield on interest earning assets decreased to 4.61% for the three-month period ended September 30, 2019, compared to 4.69% for the corresponding 2018 period.

	•	Return on average assets (“ROAA”) and return on average equity (“ROAE”) were 1.19% and 9.24%, respectively, for the three months ended September 30, 2019, compared to ROAA and ROAE of 1.12% and 8.89%, respectively, for the third quarter of 2018.

	•	ROAA and ROAE were 1.17% and 9.14%, respectively, for the nine months ended September 30, 2019, compared to ROAA and ROAE of 0.87% and 7.31%, respectively, for the nine months ended September 30, 2018.

	•	Total assets increased $146.8 million, or 4.98%, during the nine months ended September 30, 2019, primarily due to increases of $64.7 million in loans held for investment and $48.8 million in our investment securities available for sale and the addition of $27.7 million for an operating lease right of use asset.

	•	Total deposits grew by $117.3 million, or 5.11%, since December 31, 2018 with $61.1 million of the growth occurring in non-interest bearing deposits.

	•	We ended the third quarter of 2019 with a book value of $23.38 per common share and a tangible book value of $17.02 per common share compared to $21.77 and $15.39, respectively, at December 31, 2018.

	•	We maintained appropriate levels of liquidity and by all regulatory measures remained “well capitalized.”

The following summarizes the highlights of our financial performance for the three- and nine-month periods ended September 30, 2019 compared to same periods in 2018 (figures in the table may not match those discussed in the balance of this section due to rounding).

	Three months ended September 30,
	(Dollars in thousands)
	2019			2018			$ Change			% Change

Net income	$	9,184		$	8,265		$	919			11.12	%
Interest income		31,347			30,753			594			1.93
Interest expense		7,798			5,867			1,931			32.91
Net interest income before provision for loan losses		23,549			24,886			(1,337	)		(5.37	)
Provision for loan losses		456			308			148			48.05
Non-interest income		4,057			2,805			1,252			44.63
Non-interest expense		14,834			16,662			(1,828	)		(10.97	)
Average total loans		2,446,911			2,397,054			49,857			2.08
Average interest earning assets		2,730,825			2,628,566			102,259			3.89
Average total interest bearing deposits		1,753,114			1,658,060			95,054			5.73
Average non-interest bearing deposits		631,578			601,559			30,019			4.99
Net interest margin		3.48	%		3.81	%					(8.66	)
Return on average assets		1.19	%		1.12	%					6.25
Return on average equity		9.24	%		8.89	%					3.94
Basic earnings per common share	$	0.54		$	0.49		$	0.05			10.20
Diluted earnings per common share		0.54			0.48			0.06			12.50

	Nine months ended September 30,
	(Dollars in thousands)
	2019			2018			$ Change			% Change

Net income	$	26,600		$	17,056		$	9,544			55.96	%
Interest income		93,960			80,246			13,714			17.09
Interest expense		23,632			14,369			9,263			64.47
Net interest income before provision for loan losses		70,328			65,877			4,451			6.76
Provision for loan losses		943			1,235			(292	)		(23.64	)
Non-interest income		10,078			7,788			2,290			29.40
Non-interest expense		43,815			48,732			(4,917	)		(10.09	)
Average total loans		2,431,180			2,128,896			302,284			14.20
Average interest earning assets		2,717,239			2,360,680			356,559			15.10
Average total interest bearing deposits		1,748,184			1,462,088			286,096			19.57
Average non-interest bearing deposits		598,365			558,923			39,442			7.06
Net interest margin		3.52	%		3.79	%					(7.12	)
Return on average assets		1.17	%		0.87	%					34.48
Return on average equity		9.14	%		7.31	%					25.03
Basic earnings per common share	$	1.56		$	1.12		$	0.44			39.29
Diluted earnings per common share		1.55			1.10			0.45			40.91

Strategic Plan

We have based our strategic plan on the premise of enhancing stockholder value and growth through branching and operating profits. Our short term goals include continuing our strong pattern of organic loan and deposit growth, enhancing and maintaining credit quality, collecting payments on non-accrual and past due loans, profitably disposing of certain acquired loans and other real estate owned (“OREO”), maintaining an attractive branch network, expanding fee income, generating extensions of core banking services, and using technology to maximize stockholder value. During the past few years, we have expanded by acquisition into Baltimore, Carroll, Howard, Harford and Frederick Counties and Baltimore City, Maryland, organically and through acquisitions in Montgomery and Anne Arundel Counties, Maryland, and organically in Prince George’s County, Maryland.

We use the Internet and technology to augment our growth plans. Currently, we offer our customers image technology, Internet banking with online account access and bill pay service, and mobile banking. We provide selected commercial customers the ability to remotely capture their deposits and electronically transmit them to us. We will continue to evaluate cost effective ways that technology can enhance our management capabilities, products and services.

Should the pending Merger not be consummated, we may continue to take advantage of strategic opportunities presented to us via mergers occurring in our marketplace. For example, we may purchase branches that other banks close or lease branch space from other banks or hire additional loan officers. We also continually evaluate and consider opportunities with financial services companies or institutions with which we may become a strategic partner, merge or acquire. We believe that the BYBK acquisition will continue to generate increased earnings and increased returns for our stockholders.

Although the current interest rate environment continues to present challenges for our industry, we have worked diligently towards our goal of becoming the premier community bank in Maryland. While we are uncertain about the continued pace of economic growth or the impact of the current political environment, uncertainty regarding recent tariffs imposed and future tariffs that may be imposed on imports into the United States, and the growing national debt, we remain cautiously optimistic that we have identified any problem assets, that our remaining borrowers will stay current on their loans and that we can continue to grow our balance sheet and earnings.

Although the Board of Governors of the Federal Reserve System (the “Federal Reserve Board”) had been slowly increasing the federal funds rate (which in turn increases market interest rates) between December 2015 and the end of 2018, interest rates at the beginning of 2019 were still low compared to typical interest rates before the 2007-2009 recession, and the Federal Reserve Board has cut interest rates three times during 2019. Given the resulting expectation that interest rates will, therefore, remain at historically low levels during the remainder of 2019, we believe that we can continue to grow total loans during the remainder of 2019 even given certain economic indicators and economic predictions of a coming economic slowdown or recession, although this may not come to fruition if the economy experiences a more severe slowdown than we anticipate. We also believe that we can continue to grow total deposits during the remainder of 2019 despite the expected continuation of historically low interest rate levels. As a result of this expected growth, we expect that net interest income will continue to increase during the fourth quarter of 2019, although there can be no guarantee that this will be the case.

We also expect to incur merger-related expenses during the fourth quarter of 2019 as a result of the pending Merger [. We also expect that salaries and benefits expenses and occupancy and equipment expenses will continue to be higher for 2019 and going forward generally than they were in 2018 as a result of including the expenses related to the employees and branches that we acquired in the BYBK merger. Such expenses may increase even further if we selectively take the opportunity to add more business development talent, although we will continue to look for opportunities to reduce expenses. We believe with our existing branches, our lending staff, our corporate infrastructure and our solid balance sheet and strong capital position, we can continue to focus our efforts on improving earnings per share and enhancing stockholder value.

Critical Accounting Policies

Critical accounting policies are those that involve significant judgments and assessments by management, and which could potentially result in materially different results under different assumptions and conditions. As discussed in Old Line Bancshares’ Form 10-K for the fiscal year ended December 31, 2018, we consider our critical accounting policies to be the allowance for loan losses, other-than-temporary impairment of investment securities, goodwill and other intangible assets, income taxes, business combinations and accounting for acquired loans. There have been no material changes in our critical accounting policies during the nine months ended September 30, 2019.

Results of Operations for the Three Months Ended September 30, 2019 Compared to Three Months Ended September 30, 2018.

Net Interest Income. Net interest income is the difference between income on interest earning assets and the cost of funds supporting those assets. Earning assets are comprised primarily of loans, investments, interest bearing deposits and federal funds sold. Cost of funds consists of interest paid on interest bearing deposits and other borrowings. Non-interest bearing deposits and capital are also funding sources. Changes in the volume and mix of earning assets and funding sources along with changes in associated interest rates determine changes in net interest income.

Net interest income before provision for loan losses for the three months ended September 30, 2019 decreased $1.3 million, or 5.37%, to $23.5 million from $24.9 million for the same period of 2018. As outlined in detail in the Rate/Volume Variance Analysis, this decrease was a result of an increase in interest expense, primarily due to an increase in the average interest rates on our deposits and borrowings, partially offset by an increase in total interest income, due to an increase in the average balance of our interest earning assets, partially offset by a decrease in the average yield on such assets, all as discussed further below. We continue to adjust the mix and volume of interest earning assets and liabilities on the balance sheet to maintain a relatively strong net interest margin.

Total interest income increased $594 thousand, or 1.93%, to $31.3 million during the three months ended September 30, 2019 compared to $30.8 million during the three months ended September 30, 2018, primarily as a result of increases of $525 thousand in interest income on our investment securities available for sale and $68 thousand in interest and fees on our loans.

The increase in interest income on our investment securities is the result of increases in both their average balance and average yield. The average balance of our investment portfolio increased $56.0 million, or 23.96%, for the three months ended September 30, 2019 compared to the three months ended September 30, 2018, primarily due to increases in the average balance of our U.S. government agency securities. The average yield on the investment portfolio increased to 3.28% for the three months ended September 30, 2019 from 3.09% during the three months ended September 30, 2018, primarily due to higher yields on our U.S. government agency securities, MBS, and other securities.

The increase in interest and fees on loans is the result of a $49.9 million increase in the average balance of our loans, driven primarily by an increase in the average balance of our mortgage loans, partially offset by an eight basis point decrease in the average yield on our loans due primarily to lower yields on new commercial and mortgage loans.

The fair value accretion/amortization on acquired loans affects interest income, primarily due to payoffs on such acquired loans. Payoffs during the three months ended September 30, 2019 contributed an 11 basis point increase in interest income, compared to 13 basis points for the three months ended September 30, 2018.

Total interest expense increased $1.9 million, or 32.91%, to $7.8 million during the three months ended September 30, 2019 from $5.9 million for the same period of 2018, primarily as a result of a 36 basis point increase in the average interest rate paid on our interest bearing liabilities, which increased to 1.56% during the three months ended September 30, 2019, from 1.20% during the three months ended September 30, 2018. This increase was due to a 40 basis point increase in the average rate paid on our deposits, primarily as a result of increases in the rates paid on our time deposits but also as a result of increases in the rates paid on our money market and NOW accounts, and, to a lesser extent, a 36 basis point increase in the average rate paid on our borrowings quarter over quarter, primarily as a result of the higher rate paid on our FHLB borrowings. The increases in the average rates paid on both our deposits and our FHLB borrowings is the result of us paying higher rates as a result of Federal Reserve Board rate increases implemented during 2018; the two decreases in the federal funds rate through September 30, 2019, did not result in a corresponding decrease in the average rates paid on our deposits as market interest rates have continued to increase despite these recent cuts.

Despite a $46.0 million, or 2.37%, increase in the average balance of our interest bearing liabilities, changes in the mix of these liabilities contributed to a slight overall decrease in interest expense as a result of changes in the average balance of such liabilities. In particular, while our average time deposits increased $118.2 million, or 15.6%, the average balance of our borrowings decreased $49.0 million, or 17.3%, period over period; because the average rate on our borrowings is significantly higher than the average rate paid on our deposits, the overall impact of these volume changes was a small decrease in total interest expense for the 2019 period.

Non-interest bearing deposits allow us to fund growth in interest earning assets at minimal cost. Average non-interest bearing deposits increased $30.0 million to $631.6 million for the three months ended September 30, 2019, compared to $601.6 million for the three months ended September 30, 2018.

Our net interest margin decreased to 3.48% for the three months ended September 30, 2019 from 3.81% for the three months ended September 30, 2018. The net interest margin decreased due to the increase in the average rate paid on our interest bearing liabilities and the decline in the average yield on our interest earning assets, which decreased eight basis points from 4.69% for the quarter ended September 30, 2018 to 4.61% for the quarter ended September 30, 2019.

The net interest margin during the 2019 period was positively affected by the amount of accretion on acquired loans. Accretion decreased due to a lower amount of early payoffs on acquired loans with fair value marks during the three months ended September 30, 2019 compared to the same period of 2018. The fair value accretion/amortization is recorded on pay-downs recognized during the quarter, which contributed 11 basis points for the three months ended September 30, 2019 compared to 14 basis points for the three months ended September 30, 2018.

During the three months ended September 30, 2019 and 2018, we continued to successfully collect payments on acquired loans that we had recorded at fair value at the acquisition date, which resulted in a positive impact in interest income. Total accretion decreased by $197 thousand for the three months ended September 30, 2019, compared to the same period last year. The payments received were a direct result of our efforts to negotiate payments, sell notes or foreclose on and sell collateral after the acquisition date.

The accretion positively impacted the yield on loans and increased the net interest margin during these periods as follows:

	Three months ended September 30,
	2019					2018
			% Impact on					% Impact on
	Accretion		Net Interest			Accretion		Net Interest
	Dollars		Margin			Dollars		Margin
Commercial loans	$	116,166		0.02	%	$	113,378		0.02	%
Mortgage loans		430,796		0.06			620,664		0.09
Consumer loans		106,316		0.02			110,220		0.02
Interest bearing deposits		64,630		0.01			70,157		0.01
Total accretion	$	717,908		0.11	%	$	914,419		0.14	%

Average Balances, Yields and Net Interest Margin Analysis. The following table illustrates average balances of total interest earning assets and total interest bearing liabilities for the three months ended September 30, 2019 and 2018, showing the average distribution of assets, liabilities, stockholders’ equity and related income, expense and corresponding weighted average yields and rates. Non-accrual loans are included in total loan balances lowering the effective yield for the portfolio in the aggregate. The average balances used in this table and other statistical data were calculated using average daily balances.

	Average Balances, Interest and Yields
	2019							2018
	Average				Yield/			Average				Yield/
Three months ended September 30,	balance		Interest		Rate			balance		Interest		Rate
Assets:
Federal funds sold (1)	$	559,247	$	2,964		2.10	%	$	952,087	$	3,645		1.52	%
Interest bearing deposits (1)		1,763,347		3,457		0.78			3,813,051		34,902		3.63
Investment securities (1)(2)
U.S. Treasury		2,990,893		17,087		2.27			3,008,239		17,453		2.30
U.S. government agency		64,684,335		557,867		3.42			14,152,697		95,222		2.67
Corporate bonds		18,606,348		258,924		5.52			14,618,051		200,393		5.44
Foreign bonds		6,282,609		41,318		2.61			3,500,000		21,601		2.45
Mortgage backed securities		108,940,000		593,737		2.16			107,063,440		563,384		2.09
Municipal securities		77,846,475		625,756		3.19			79,535,757		640,470		3.19
Other equity securities		10,259,800		298,533		11.54			11,754,944		279,052		9.42
Total investment securities		289,610,460		2,393,222		3.28			233,633,128		1,817,575		3.09
Loans(1)
Commercial		336,516,694		3,890,791		4.59			325,406,078		3,844,213		4.69
Mortgage real estate		2,069,258,513		24,753,504		4.75			2,015,218,388		24,438,610		4.81
Consumer		41,135,973		698,692		6.74			56,429,628		955,621		6.72
Total loans		2,446,911,180		29,342,987		4.76			2,397,054,094		29,238,444		4.84
Allowance for loan losses		8,018,971		—					6,885,911		—
Total loans, net of allowance		2,438,892,209		29,342,987		4.77			2,390,168,183		29,238,444		4.85
Total interest earning assets(1)		2,730,825,263		31,742,630		4.61			2,628,566,449		31,094,566		4.69
Non-interest bearing cash		50,954,051							48,035,416
Goodwill and intangibles		108,464,503							110,861,142
Premises and equipment		68,481,420							43,626,501
Other assets		94,581,576							103,995,121
Total assets(1)		3,053,306,813							2,935,084,629
Liabilities and Stockholders’ Equity:
Interest bearing deposits
Savings		209,675,468		88,590		0.17			224,657,254		107,608		0.19
Money market and NOW		670,171,158		1,192,205		0.71			678,323,856		968,323		0.57
Time deposits		873,267,184		4,839,111		2.20			755,079,192		3,022,855		1.59
Total interest bearing deposits		1,753,113,810		6,119,906		1.38			1,658,060,302		4,098,786		0.98
Borrowed funds		234,165,450		1,678,093		2.84			283,169,572		1,768,532		2.48
Total interest bearing liabilities		1,987,279,260		7,797,999		1.56			1,941,229,874		5,867,318		1.20
Non-interest bearing deposits		631,577,580							601,558,786
		2,618,856,840							2,542,788,660
Other liabilities		40,290,606							23,355,099
Stockholders’ equity		394,159,367							368,940,870
Total liabilities and stockholders’ equity	$	3,053,306,813						$	2,935,084,629
Net interest spread(1)						3.05							3.49
Net interest margin(1)			$	23,944,631		3.48	%			$	25,227,248		3.81	%

__________________

(1)

Interest income is presented on a fully taxable equivalent (“FTE”) basis. The FTE basis adjusts for the tax favored status of these types of assets. Management believes providing this information on a FTE basis provides investors with a more accurate picture of our net interest spread and net interest income and we believe it to be the preferred industry measurement of these calculations. See “Reconciliation of Non-GAAP Measures.”

(2)

Available for sale investment securities are presented at amortized cost.

The following table describes the impact on our interest income and expense resulting from changes in average balances and average rates for the three months ended September 30, 2019 and 2018. We have allocated the change in interest income, interest expense and net interest income due to both volume and rate proportionately to the rate and volume variances.

Rate/Volume Variance Analysis

	Three months ended September 30,
	2019 compared to 2018
	Variance due to:
	Total			Rate			Volume
Interest earning assets:
Federal funds sold(1)	$	(681	)	$	1,832		$	(2,513	)
Interest bearing deposits		(31,445	)		(26,821	)		(4,624	)
Investment Securities(1)
U.S. Treasury		(366	)		(334	)		(32	)
U.S. government agency		462,645			110,333			352,312
Corporate bonds		58,530			10,547			47,983
Foreign bonds		19,717			4,863			14,854
Mortgage backed securities		30,353			27,012			3,341
Municipal securities		(14,714	)		(3,660	)		(11,054	)
Other		19,482			79,217			(59,735	)
Loans:(1)
Commercial		46,578			(153,796	)		200,374
Mortgage		314,894			(664,664	)		979,558
Consumer		(256,929	)		10,857			(267,786	)
Total interest income (1)		648,064			(604,614	)		1,252,678

Interest bearing liabilities
Savings		(19,018	)		(16,645	)		(2,373	)
Money market and NOW		223,882			244,154			(20,272	)
Time deposits		1,816,256			1,647,111			169,145
Borrowed funds		(90,439	)		402,566			(493,005	)
Total interest expense		1,930,681			2,277,186			(346,505	)

Net interest income(1)	$	(1,282,617	)	$	(2,881,800	)	$	1,599,183

__________________

(1)

Interest income is presented on a FTE basis. The FTE basis adjusts for the tax favored status of these types of assets. Management believes providing this information on a FTE basis provides investors with a more accurate picture of our net interest spread and net interest income and we believe it to be the preferred industry measurement of these calculations. See “Reconciliation of Non-GAAP Measures.”

Provision for Loan Losses. The provision for loan losses for the three months ended September 30, 2019 was $456 thousand, an increase of $148 thousand, or 48.11%, compared to $308 thousand for the three months ended September 30, 2018. This increase was due to loan growth.

Management identified additional probable losses in the loan portfolio and recorded $371 thousand in charge-offs during the three-month period ended September 30, 2019, compared to $107 thousand in charge-offs for the three months ended September 30, 2018. We recognized recoveries of $26 thousand during the three months ended September 30, 2019 compared to recoveries of $74 thousand during the same period of 2018.

The allowance for loan losses to gross loans held for investment was 0.32% and 0.31%, and the allowance for loan losses to non-accrual loans was 106.26% and 160.42%, at September 30, 2019 and December 31, 2018, respectively. The decrease in the allowance for loan losses to non-accrual loans is primarily the result of an increase in our non-accrual loans.

Non-interest Income. Non-interest income increased $1.3 million, or 44.64%, to $4.1 million for the three months ended September 30, 2019, from the corresponding period of 2018 amount of $2.8 million.

The following table outlines the amounts of and changes in non-interest income for the three-month periods.

	Three months ended September 30,
	2019		2018			$ Change			% Change
Service charges on deposit accounts	$	316,783	$	342,012		$	(25,229	)		(7.38	)%
Wire transfer fees		26,865		36,743			(9,878	)		(26.88	)
ATM Income		365,654		349,795			15,859			4.53
POS sponsorship program		688,188		711,577			(23,389	)		(3.29	)
Gain on sales or calls of investment securities		544,259		—			544,259			100.00
Earnings on bank owned life insurance		528,512		520,785			7,727			1.48
Gain on disposal of assets		—		(1,100	)		1,100			100.00
Write down on stock		—		(91,498	)		91,498			100.00
Rental income		214,315		204,714			9,601			4.69
Income on marketable loans		990,474		411,850			578,624			140.49
Other fees and commissions		382,447		320,457			61,990			19.34
Total non-interest income	$	4,057,497	$	2,805,335		$	1,252,162			44.64	%

Non-interest income increased during the 2019 period primarily as a result of increases in income on marketable loans and gain on sales or calls of investment securities.

Income on marketable loans consists of gain on the sale of residential mortgage loans originated for sale and any fees we receive in connection with such sales. Income on marketable loans increased $579 thousand during the three months ended September 30, 2019, compared to the same period last year due to an increase in gains recorded on the sale of residential mortgage loans as a result of a $25 million increase in the volume of mortgage loans sold in the secondary market, which resulted in an increase in the aggregate dollar amount of premiums we received for such sales compared to the same period last year. The residential mortgage division sold loans in the secondary market aggregating $53.3 million during the third quarter of 2019 compared to $28.7 million for the same period last year.

Gain on sales or calls of investment securities increased $544 thousand during the three months ended September 30, 2019, compared to the same period last year, which resulted from the calls of approximately $29.8 million of our callable agencies during the three months ended September 30, 2019 compared to no such calls for the same period last year.

Non-interest Expense. Non-interest expense decreased $1.8 million, or 10.97%, for the three months ended September 30, 2019 compared to the three months ended September 30, 2018.

The following table outlines the amounts of and changes in non-interest expenses for the periods.

	Three months ended September 30,
	2019		2018			$ Change			% Change
Salaries and benefits	$	7,717,352	$	7,491,736		$	225,616			3.01	%
Occupancy and equipment		2,337,124		2,349,691			(12,567	)		(0.53	)
Data processing		782,593		659,926			122,667			18.59
FDIC insurance and State of Maryland assessments		62,535		278,109			(215,574	)		(77.51	)
Merger related expenses		—		2,282,705			(2,282,705	)		100.00
Core deposit premium amortization		654,046		663,685			(9,639	)		(1.45	)
Loss on sale of other real estate owned		—		26,266			(26,266	)		100.00
OREO expense		59,272		(99,957	)		159,229			(159.30	)
Director fees		166,050		172,550			(6,500	)		(3.77	)
Network services		119,144		127,226			(8,082	)		(6.35	)
Telephone		221,293		269,070			(47,777	)		(17.76	)
Other operating		2,715,009		2,441,331			273,678			11.21
Total non-interest expenses	$	14,834,418	$	16,662,338		$	(1,827,920	)		(10.97	)%

Non-interest expenses decreased quarter over quarter primarily as a result of the lack of merger-related expenses during the 2019 period compared to $2.3 million in merger and integration expenses during the three months ended September 30, 2018 from the BYBK acquistion, partially offset by increases of $226 thousand in salaries and employee benefits, $274 thousand in other operating expenses and $123 thousand in data processing for the three months ended September 30, 2019 compared to the same period of 2018.

Other operating expenses, a noted above, increased $274 thousand quarter over quarter. These expenses include, for example, office supplies, software expense, and marketing and advertising expenses.

Data processing expenses increased as a result of additional customer transactions quarter over quarter.

Income Taxes. We had income tax expense of $3.1 million (25.43% of pre-tax income) for the three months ended September 30, 2019 compared to income tax expense of $2.5 million (22.91% of pre-tax income) for the same period of 2018. The effective tax rate increased for the 2019 period primarily due to an increase in our tax-exempt earnings for the three months ended September 30, 2019 compared to same period last year.

Results of Operations for the Nine Months Ended September 30, 2019 Compared to Nine Months Ended September 30, 2018.

Net interest income before provision for loan losses for the nine months ended September 30, 2019 increased $4.5 million, or 6.76%, to $70.3 million from $65.9 million for the same period of 2018. As outlined in detail in the Rate/Volume Variance Analysis, this increase was the result of an increase in total interest income, primarily due to an increase in loan interest income resulting from increases in the average balance of and, to a lesser extent, the average yield on, our loans, partially offset by an increase in interest expense resulting from increases in the average rate on and, to a lesser extent, the average balance of, our interest bearing liabilities, all as discussed further below.

Total interest income increased $13.7 million, or 17.09%, to $94.0 million during the nine months ended September 30, 2019 compared to $80.2 million during the nine months ended September 30, 2018, primarily as a result of an $11.9 million increase in interest and fees on loans. The increase in interest and fees on loans is primarily the result of a $302.3 million increase in the average balance of our loans during the nine months ended September 30, 2019 compared to the same period of 2018, as a result of both organic growth and the loans acquired in the BYBK acquisition. In addition, the average yield on the loan portfolio increased to 4.68% for the nine months ended September 30, 2019 from 4.76% during the nine months ended September 30, 2018 due primarily to higher yields on new mortgage loans. The fair value accretion/amortization on acquired loans affects interest income, primarily due to payoffs on such acquired loans. Payoffs contributed a 12 basis point increase in interest income for each of the nine-month periods ended September 30, 2019 and 2018.

A $1.8 million increase in interest earned on investment securities also contributed to the increase in total interest income. This increase was the result of an increase in the average balance of our investment securities, primarily in our U.S. government agency securities, and, to a lesser extent, an increase in the average yield on our investment securities. The average yield on our investment securities increased 25 basis points for nine months ended September 30, 2019 compared to the same period of 2018, primarily as a result of increases in the average rate on our MBS and our U.S. government agency securities.

Total interest expense increased $9.3 million, or 64.46%, to $23.6 million during the nine months ended September 30, 2019 from $14.4 million for the same period of 2018, as a result of increases in the average rate paid on and, to a lesser extent, the average balance of, our interest bearing liabilities. The average interest rate paid on all interest bearing liabilities increased to 1.57% during the nine months ended September 30, 2019 from 1.11% during the nine months ended September 30, 2018, due primarily to higher interest rates paid on our time deposits, although the average rate increased on all of our interest bearing liabilities period over period. The fair value accretion recorded on acquired deposits also affects interest expense, however, the benefit from accretion on such deposits was one basis point for both nine-month periods ended September 30, 2019 and 2018.

The average balance of our interest bearing liabilities increased $280.8 million, or 16.21%, to $2.0 billion for the nine months ended September 30, 2019 from $1.7 billion for the nine months ended September 30, 2018, as a result of a $286.1 million, or 19.57%, increase in our average interest bearing deposits, partially offset by a decrease in our average borrowings of $5.3 million, or 1.98%, period over period. The increase in the average balance of our interest bearing deposits is primarily due to the deposits that we acquired in the BYBK acquisition. The decrease in the average balance of our borrowings is primarily due to the reduction of short-term FHLB advances.

Average non-interest bearing deposits increased $39.4 million to $598.4 million for the nine months ended September 30, 2019, compared to $558.9 million for the nine months ended September 30, 2018 as a result of the non-interest bearing deposits that we acquired in the BYBK acquisition and the successful efforts of our commercial loan officers and business development officers in working with loan clients to move their commercial deposits to Old Line Bank.

Our net interest margin decreased to 3.52% for the nine months ended September 30, 2019 from 3.79% for the nine months ended September 30, 2018. The net interest margin decreased due to an increase in the average rate paid on our interest bearing liabilities, partially offset by the improvement in the yield on average interest earning assets, which increased eight basis points from 4.60% for the nine months ended September 30, 2018 to 4.68% for the nine months ended September 30, 2019, as well as an increase in non-interest bearing deposits as a source of funding. The net interest margin during 2019 was also positively affected by the amount of accretion on acquired loans. Accretion increased due to a higher amount of early payoffs on acquired loans with fair value marks during the nine months ended September 30, 2019 compared to the same period of 2018. The fair value accretion/amortization is recorded on pay-downs recognized during the period, which payoffs contributed a 12 basis point increase in interest income for both nine-month periods ended September 30, 2019 and 2018.

During the nine months ended September 30, 2019 and 2018, we continued to successfully collect payments on acquired loans that we had recorded at fair value at the acquisition date, which resulted in a positive impact in interest income. Total accretion increased by $260 thousand for the nine months ended September 30, 2019, as compared to the same period last year. The higher level of accretion on acquired loans was due to a higher level of early payoffs on acquired loans with credit marks and the higher level of acquired loans with accreting marks.

The accretion positively impacted the yield on loans and increased the net interest margin during these periods as follows:

	Nine months ended September 30,
	2019					2018
			% Impact on					% Impact on
	Accretion		Net Interest			Accretion		Net Interest
	Dollars		Margin			Dollars		Margin
Commercial loans	$	327,537		0.02	%	$	370,902		0.02	%
Mortgage loans		1,718,730		0.08			1,451,314		0.08
Consumer loans		415,002		0.02			334,338		0.02
Interest bearing deposits		176,339		0.01			221,221		0.01
Total accretion	$	2,637,608		0.13	%	$	2,377,775		0.13	%

Average Balances, Yields and Accretion of Fair Value Adjustments Impact. The following table illustrates average balances of total interest earning assets and total interest bearing liabilities for the nine months ended September 30, 2019 and 2018, showing the average distribution of assets, liabilities, stockholders’ equity and related income, expense and corresponding weighted average yields and rates. Non-accrual loans are included in total loan balances lowering the effective yield for the portfolio in the aggregate. The average balances used in this table and other statistical data were calculated using average daily balances.

	Average Balances, Interest and Yields
	2019							2018
	Average				Yield/			Average				Yield/
Nine months ended September 30,	balance		Interest		Rate			balance		Interest		Rate
Assets:
Federal funds sold (1)	$	818,886	$	11,980		1.96	%	$	641,625	$	7,287		1.52	%
Interest bearing deposits (1)		1,845,457		5,590		0.40			4,556,328		34,909		1.02
Investment securities (1)(2)
U.S. Treasury		2,990,327		51,492		2.30			3,184,060		46,190		1.94
U.S. government agency		64,245,263		1,666,856		3.47			13,957,146		278,303		2.67
Corporate bonds		19,727,097		776,942		5.27			13,383,969		607,601		5.10
Foreign bonds		3,732,601		93,963		3.37			3,500,000		35,979		3.15
Mortgage backed securities		110,809,163		1,933,777		2.33			108,259,016		1,690,299		2.09
Municipal securities		78,431,991		1,893,998		3.23			79,767,641		1,927,042		3.23
Other equity securities		11,315,717		966,635		11.42			10,945,092		894,447		10.93
Total investment securities		291,252,159		7,383,663		3.39			232,996,924		5,479,861		3.14
Loans(1)
Commercial		345,513,339		12,058,838		4.67			285,941,800		10,273,526		4.88
Mortgage real estate		2,040,608,972		73,292,120		4.80			1,783,718,356		62,548,306		4.61
Consumer		45,057,835		2,380,670		7.06			59,235,553		2,945,729		6.62
Total loans		2,431,180,146		87,731,628		4.68			2,128,895,709		75,767,561		4.76
Allowance for loan losses		7,857,731		—					6,410,911		—
Total loans, net of allowance		2,423,322,415		87,731,628		4.84			2,122,484,798		75,767,561		4.77
Total interest earning assets(1)		2,717,238,917		95,132,861		4.68			2,360,679,675		81,289,618		4.60
Non-interest bearing cash		48,947,806							44,005,578
Goodwill and intangibles		109,120,518							81,303,285
Premises and equipment		60,560,567							42,778,668
Other assets		96,357,244							90,534,120
Total assets(1)		3,032,225,052							2,619,301,326
Liabilities and Stockholders’ Equity:
Interest bearing deposits
Savings		211,652,678		272,999		0.17			193,371,948		245,133		0.17
Money market and NOW		663,793,362		3,631,025		0.73			616,787,570		2,478,336		0.54
Time deposits		872,737,680		13,936,209		2.13			651,928,973		6,828,286		1.40
Total interest bearing deposits		1,748,183,720		17,840,233		1.36			1,462,088,491		9,551,755		0.87
Borrowed funds		264,092,084		5,791,436		2.93			269,426,578		4,817,613		2.39
Total interest bearing liabilities		2,012,275,804		23,631,669		1.57			1,731,515,069		14,369,368		1.11
Non-interest bearing deposits		598,365,381							558,923,100
		2,610,641,185							2,290,438,169
Other liabilities		32,675,582							17,072,083
Stockholders’ equity		388,908,285							311,791,074
Total liabilities and stockholders’ equity	$	3,032,225,052						$	2,619,301,326
Net interest spread(1)						3.11							3.49
Net interest margin(1)			$	71,501,192		3.52	%			$	66,920,250		3.79	%

__________________

(1)

(2)

Available for sale investment securities are presented at amortized cost.

The following table describes the impact on our interest income and expense resulting from changes in average balances and average rates for the nine months ended September 30, 2018 and 2017. We have allocated the change in interest income, interest expense and net interest income due to both volume and rate proportionately to the rate and volume variances.

Rate/Volume Variance Analysis

	Nine months ended September 30,
	2019 compared to 2018
	Variance due to:
	Total			Rate			Volume
Interest earning assets:
Federal funds sold(1)	$	4,693		$	2,733		$	1,960
Interest bearing deposits		(29,319	)		(16,889	)		(12,430	)
Investment Securities(1)
U.S. Treasury		5,302			8,785			(3,483	)
U.S. government agency		1,388,553			139,583			1,248,970
Corporate bond		169,341			(110,599	)		279,940
Foreign bonds		57,984			56,061			1,923
Mortgage backed securities		243,478			211,781			31,697
Municipal securities		(33,044	)		(1,048	)		(31,996	)
Other		72,188			46,305			25,883
Loans:(1)
Commercial		1,785,312			(386,958	)		2,172,270
Mortgage		10,743,814			1,974,587			8,769,227
Consumer		(565,059	)		218,612			(783,671	)
Total interest income (1)		13,843,243			2,142,953			11,700,290

Interest bearing liabilities
Savings		27,866			5,525			22,341
Money market and NOW		1,152,689			995,635			157,054
Time deposits		7,107,923			4,793,191			2,314,732
Borrowed funds		973,823			1,093,101			(119,278	)
Total interest expense		9,262,301			6,887,452			2,374,849

Net interest income(1)	$	4,580,942		$	(4,744,499	)	$	9,325,441

__________________

(1)

Provision for Loan Losses. The provision for loan losses for the nine months ended September 30, 2019 was $943 thousand, a decrease of $292 thousand, or 23.66%, compared to $1.2 million for the nine months ended September 30, 2018. This decrease is due to the fact that existing reserves were generally adequate to cover the increase in the loan portfolio during the nine-month period, as well as the fact that some loans for which we had a specific loan reserve at December 31, 2018 were paid off during the nine months ended September 30, 2019.

Management identified additional probable losses in the loan portfolio and recorded $537 thousand in charge-offs for the nine months ended September 30, 2019 compared to charge-offs of $273 thousand for the nine months ended September 30, 2018. We recognized recoveries of $124 thousand during the nine months ended September 30, 2019 compared to $98 thousand for the same period of 2018.

Non-interest Income. Non-interest income totaled $10.1 million for the nine months ended September 30, 2019, an increase of $2.3 million, or 29.40%, from the corresponding period of 2018 amount of $7.8 million.

The following table outlines the amounts of and changes in non-interest income for the nine-month periods.

	Nine months ended September 30,
	2019		2018			$ Change			% Change
Service charges on deposit accounts	$	950,397	$	926,343		$	24,054			2.60	%
Wire transfer fees		87,664		98,887			(11,223	)		(11.35	)
ATM income		1,011,124		1,002,783			8,341			0.83
POS Sponsorship program		1,925,005		1,385,079			539,926			38.98
Gain on sales or calls of investment securities		560,186		—			560,186			100.00
Earnings on bank owned life insurance		1,547,445		1,274,777			272,668			21.39
Gain on disposal of assets		32,599		13,266			19,333			145.73
Loss on sale of stock		—		(152,496	)		152,496			100.00
Rental income		644,945		602,208			42,737			7.10
Income on marketable loans		2,329,160		1,342,201			986,959			73.53
Other fees and commissions		989,523		1,295,359			(305,836	)		(23.61	)
Total non-interest income	$	10,078,048	$	7,788,407		$	2,289,641			29.40	%

Non-interest income increased during the 2019 period compared to the 2018 period primarily as a result of increases of $540 thousand in income from our point of sale (“POS”) sponsorship program, which was not in place during the first quarter of 2018, $987 thousand in income on marketable loans, $560 thousand in gain on sales or calls of investment securities, and $273 thousand in earnings on bank owned life insurance, partially offset by a decrease of $306 thousand in other fees and commissions.

Income on marketable loans increased $987 thousand during the nine months ended September 30, 2019, compared to the same period last year due to an increase in gains recorded on the sale of residential mortgage loans primarily as a result of a higher volume of loans sold in the secondary market. The residential mortgage division originated loans aggregating $122.3 million for sale in the secondary market during the nine months ended September 30, 2019 compared to $76.7 million for the same period last year.

Gain on sales or calls of investment securities increased $560 thousand during the 2019 period compared to the 2018 period, which resulted from the calls on approximately $49.2 million of our callable U.S. government agency securities during the nine months ended September 30, 2019 compared to no such calls for the same period last year.

The increase in earnings on bank owned life insurance is due to the $16.3 million of bank owned life insurance that we acquired in the BYBK merger.

Other fees and commissions decreased $306 thousand during the nine months ended September 30, 2019, compared to the same period last year, primarily due to the receipt of a one-time bonus on our annuity plan during the nine months ended September 30, 2018, for which we had no corresponding income for the nine months ended September 30, 2019.

Non-interest Expense. Non-interest expense decreased $4.9 million, or 10.09%, for the nine months ended September 30, 2019 compared to the nine months ended September 30, 2018.

The following table outlines the amounts of and changes in non-interest expenses for the periods.

	Nine months ended September 30,
	2019		2018		$ Change			% Change
Salaries and benefits	$	22,451,706	$	20,178,521	$	2,273,185			11.27	%
Occupancy and equipment		7,185,918		6,572,733		613,185			9.33
Data processing		2,270,503		1,971,747		298,756			15.15
FDIC insurance and State of Maryland assessments		571,151		786,506		(215,355	)		(27.38	)
Merger and integration		—		9,404,507		(9,404,507	)		100.00
Core deposit premium amortization		1,961,631		1,516,734		444,897			29.33
Loss on sale of other real estate owned		—		80,738		(80,738	)		(100.00	)
OREO expense		126,771		113,032		13,739			12.15
Director fees		515,550		539,750		(24,200	)		(4.48	)
Network services		349,908		302,038		47,870			15.85
Telephone		702,990		725,976		(22,986	)		(3.17	)
Other operating		7,678,720		6,539,421		1,139,299			17.42
Total non-interest expenses	$	43,814,848	$	48,731,703	$	(4,916,855	)		(10.09	)%

Non-interest expenses decreased period over period primarily as a result of our having no merger and integration expenses during the nine months ended September 30, 2019 compared to $9.4 million in merger and integration expenses during the same period last year from the BYBK acquisition, partially offset by increases in salaries and employee benefits, occupancy and equipment, core deposit premium amortization, data processing, and other operating expenses.

Salaries and employee benefits increased $2.3 million and occupancy and equipment expenses increased $613 thousand period over period primarily as a result of the inclusion of expenses related to the staff and the branches, respectively, that we acquired in the BYBK acquisition for the entire nine-month period of 2019 compared to just approximately five and half months of such expenses for the nine months ended September 30, 2018.

Core deposit amortization increased $445 thousand for the nine-month period ended September 30, 2019 compared to the same period last year as a result of the higher amortization of premiums from deposits that we acquired in the BYBK acquisition.

Data processing expenses increased for the nine-month period ended September 30, 2019 compared to the same period last year as a result of additional customer transactions primarily due to the additional branches, and therefore additional customers, resulting from our acquisition of BYBK, which were included for the full 2019 period but for less than two-thirds of the 2018 period.

Other operating expenses increased $1.1 million due to increases in general operating costs, including marketing and advertising, sponsorships and donations, loan expenses, and software expense.

Income Taxes. We had income tax expense of $9.0 million (25.38% of pre-tax income) for the nine months ended September 30, 2019 compared to income tax expense of $6.6 million (28.03% of pre-tax income) for the same period of 2018. The effective tax rate decreased for the 2019 period primarily due to the non-deductible merger expenses we incurred during the nine months ended September 30, 2018, for which there was no corresponding expense for the nine months ended September 30, 2019.

Analysis of Financial Condition

Investment Securities. Our portfolio consists primarily of investment grade securities including U.S. Treasury securities, U.S. government agency securities, U.S. government sponsored entity securities, corporate bonds, foreign bonds, securities issued by states, counties and municipalities, MBS, certain equity securities (recorded at cost), Federal Home Loan Bank stock, Maryland Financial Bank stock, and Atlantic Community Bankers Bank stock.

We have prudently managed our investment portfolio to maintain liquidity and safety. The portfolio provides a source of liquidity and collateral for borrowings as well as a means of diversifying our earning asset portfolio. While we usually intend to hold the investment securities until maturity, currently we classify all of our investment securities as available for sale. This classification provides us the opportunity to divest of securities that may no longer meet our liquidity objectives. We account for investment securities at fair value and report the unrealized appreciation and depreciation as a separate component of stockholders’ equity, net of income tax effects. Although we may sell securities to reposition the portfolio, generally, we invest in securities for the yield they produce and not to profit from trading the securities. We continually evaluate our investment portfolio to ensure it is adequately diversified, provides sufficient cash flow and does not subject us to undue interest rate risk. There are no trading securities in our portfolio.

Our investment securities at September 30, 2019 amounted to $268.5 million, an increase of $48.8 million, or 22.22%, from the December 31, 2018 amount of $219.7 million. As outlined above, at September 30, 2019, all such securities are classified as available for sale.

The fair value of available for sale securities included net unrealized gains of $1.5 million at September 30, 2019 (reflected as $1.1 million net of taxes) compared to net unrealized losses of $7.6 million (reflected as $5.5 million net of taxes) at December 31, 2018. The increase in the value of the investment securities is due to the decrease in market interest rates, which resulted in an increase in bond values. We have evaluated securities with unrealized losses for an extended period of time and determined that all such losses are temporary because, at this point in time, we expect to hold them until maturity. We have no intent or plan to sell these securities, it is not likely that we will have to sell these securities and we have not identified any portion of the loss that is a result of credit deterioration in the issuer of the security. As the maturity date moves closer and/or interest rates decline, any unrealized losses in the portfolio will decline or dissipate.

Loan Portfolio. Net of allowance, unearned fees and origination costs, loans held for investment increased $64.7 million, or 2.69%, during the nine months ended September 30, 2019, increasing to $2.5 billion at September 30, 2019 from $2.4 billion at December 31, 2018. Loan growth during 2019 was a result of net organic growth of $184.5 million, due to new commercial real estate loan originations, partially offset by $120.0 million in paydowns on previously-acquired loans. Commercial real estate loans increased by $103.0 million, residential real estate loans decreased by $14.0 million, commercial and industrial loans decreased by $11.9 million, and consumer loans decreased by $12.5 million from their respective balances at December 31, 2018.

Most of our lending activity occurs within the state of Maryland in the suburban Washington, D.C. and Baltimore market areas of Baltimore City and Anne Arundel, Baltimore, Calvert, Carroll, Charles, Frederick, Harford, Howard, Montgomery, Prince George’s and St. Mary’s Counties. The majority of our loan portfolio consists of commercial real estate loans and residential real estate loans.

The following table summarizes the composition of the loan portfolio held for investment by dollar amount at the dates indicated:

	September 30, 2019									December 31, 2018
	Legacy (1)			Acquired			Total			Legacy (1)			Acquired			Total
Commercial Real Estate
Owner Occupied	$	309,452,786		$	124,699,211		$	434,151,997		$	299,266,275		$	140,892,706		$	440,158,981
Investment		662,296,193			175,779,493			838,075,686			592,529,807			195,883,002			788,412,809
Hospitality		231,201,755			18,957,943			250,159,698			172,189,046			13,134,019			185,323,065
Land and A&D		81,167,986			7,034,455			88,202,441			71,908,761			21,760,867			93,669,628
Residential Real Estate
First Lien-Investment		127,305,162			40,180,391			167,485,553			104,084,050			48,483,340			152,567,390
First Lien-Owner Occupied		108,338,535			123,386,650			231,725,185			108,696,078			140,221,589			248,917,667
Residential Land and A&D		42,648,776			10,016,798			52,665,574			42,639,161			16,828,434			59,467,595
HELOC and Jr. Liens		22,149,070			35,570,762			57,719,832			20,749,184			41,939,123			62,688,307
Commercial and Industrial		255,088,072			64,195,020			319,283,092			239,766,662			91,431,724			331,198,386
Consumer		13,004,012			25,708,210			38,712,222			16,289,147			34,919,111			51,208,258
Total loans		1,852,652,347			625,528,933			2,478,181,280			1,668,118,171			745,493,915			2,413,612,086
Allowance for loan losses		(7,780,318	)		(221,034	)		(8,001,352	)		(7,004,839	)		(466,184	)		(7,471,023	)
Deferred loan costs, net		3,742,124			—			3,742,124			3,086,635			—			3,086,635
Net loans	$	1,848,614,153		$	625,307,899		$	2,473,922,052		$	1,664,199,967		$	745,027,731		$	2,409,227,698

__________________

(1)

As a result of the acquisitions of Maryland Bankcorp, WSB Holdings, Regal, DCB and BYBK, we have segmented the portfolio into two components, “Legacy” loans originated by Old Line Bank and “Acquired” loans acquired from MB&T, WSB, Regal Bank, Damascus and Bay Bank.

Bank Owned Life Insurance (“BOLI”). At September 30, 2019, we have invested $69.2 million in life insurance policies on our executive officers, other officers of Old Line Bank, retired officers of MB&T and former officers of WSB, Regal Bank, Damascus and Bay Bank. BOLI increased $1.2 million during the nine months ended September 30, 2019 as a result of the interest earned on these policies. Gross earnings on BOLI were $1.5 million during the nine months ended September 30, 2019, which earnings were partially offset by $300 thousand in expenses associated with the policies, for total net earnings of $1.2 million. We anticipate that the earnings on these policies will continue to help offset our employee benefit expenses as well as our obligations under our salary continuation agreements and supplemental life insurance agreements that we have entered into with our executive officers and that MB&T and WSB had entered into with their executive officers. There are no post-retirement death benefits associated with the BOLI policies owned by Old Line Bank prior to the acquisition of MB&T. We have accrued a $190 thousand liability associated with the post-retirement death benefits of the BOLI policies acquired from MB&T and there are no such benefits related to the BOLI policies acquired from WSB, Regal Bank, Damascus or Bay Bank.

Annuity Plan. Our annuity plan is an interest earning investment that we purchased to fund a new supplemental retirement plan and amendments to existing retirement plans that will provide lifetime payments to two of our executive officers. We invested $6.0 million during the fourth quarter of 2017 and the annuity plan was effective January 1, 2018. The annuity plan was valued at $6.2 million at September 30, 2019 and December 31, 2018.

Deposits. Deposits increased $117.3 million during the nine months ended September 30, 2019, to $2.4 billion at September 30, 2019 from $2.3 billion at December 31, 2018. This increase is comprised of a $61.1 million increase in our non-interest bearing deposits and a $56.2 million increase in our interest bearing deposits.

The following table outlines the changes in interest bearing deposits:

	September 30,		December 31,
	2019		2018		$ Change			% Change
	(Dollars in thousands)
Certificates of deposit	$	867,525	$	865,255	$	2,270			0.26	%
Interest bearing checking		717,115		657,061		60,054			9.14
Savings		208,569		214,673		(6,104	)		(2.84	)
Total	$	1,793,209	$	1,736,989	$	56,220			3.24	%

We acquire brokered certificates of deposit and money market accounts through the Promontory Interfinancial Network (“Promontory”). Through this deposit matching network and its certificate of deposit account registry service (“CDARS”) and money market account service, we have the ability to offer our customers access to Federal Deposit Insurance Corporation (the “FDIC”) insured deposit products in aggregate amounts exceeding current insurance limits. When we place funds through Promontory on behalf of a customer, we receive matching deposits through the network’s reciprocal deposit program. We can also place deposits through this network without receiving matching deposits. At September 30, 2019, we had $40.1 million in CDARS and $165.8 million in money market accounts through Promontory’s reciprocal deposit program compared to $47.9 million and $168.8 million, respectively, at December 31, 2018.

We do not currently have any brokered certificates of deposit other than CDARS. Old Line Bank did not obtain any brokered certificates of deposit during the nine months ended September 30, 2019. We may, however, use brokered deposits in the future as an element of our funding strategy if and when required to maintain an acceptable loan to deposit ratio.

Borrowings. Short term borrowings consist of short term borrowings with the FHLB and short term promissory notes issued to Old Line Bank’s commercial customers as an enhancement to the basic non-interest bearing demand deposit account. This service electronically sweeps excess funds from the customer’s account into a short term promissory note with Old Line Bank. These obligations are payable on demand and are secured by investments. At September 30, 2019, we had $180.0 million outstanding in short term FHLB borrowings, compared to $190.0 million at December 31, 2018. At September 30, 2019 and December 31, 2018, we had no unsecured promissory notes and $24.4 million and $38.2 million, respectively, in secured promissory notes.

Long term borrowings at September 30, 2019 consist primarily of the Notes in the amount of $35.0 million (fair value of $34.3 million) due in 2026. The initial interest rate on the Notes is 5.625% per annum from August 15, 2016 to August 14, 2021, payable semi-annually on each February 15 and August 15. Beginning August 15, 2021, the interest rate will reset quarterly to an interest rate per annum equal to the then current three-month LIBOR rate plus 450.2 basis points, payable quarterly on each February 15, May 15, August 15 and November 15 through maturity or early redemption. Also included in long term borrowings are trust preferred subordinated debentures totaling $4.0 million (net of $2.4 million fair value adjustment) that we acquired in the Regal acquisition. The trust preferred subordinated debentures consists of two trusts – Trust 1 in the amount of $4.0 million (fair value adjustment of $1.3 million) with an interest rate of floating 90-day LIBOR plus 2.85%, maturing in 2034 and Trust 2 in the amount of $2.5 million (fair value adjustment $1.1 million) with an interest rate of floating 90-day LIBOR plus 1.60%, maturing in 2035.

Liquidity and Capital Resources. Our overall asset/liability strategy takes into account our need to maintain adequate liquidity to fund asset growth and deposit runoff. Our management monitors the liquidity position daily in conjunction with regulatory guidelines. As further discussed below, we have credit lines, unsecured and secured, available from several correspondent banks totaling $70.0 million. Additionally, we may borrow funds from the FHLB and the Federal Reserve Bank of Richmond. We can use these credit facilities in conjunction with the normal deposit strategies, which include pricing changes to increase deposits as necessary. We can also sell available for sale investment securities or pledge investment securities as collateral to create additional liquidity. From time to time we may sell or participate out loans to create additional liquidity as required. Additional sources of liquidity include funds held in time deposits and cash flow from the investment and loan portfolios.

Our immediate sources of liquidity are cash and due from banks, federal funds sold and deposits in other banks. On September 30, 2019 we had $45.0 million in cash and due from banks, $1.6 million in interest bearing accounts, and $389 thousand in federal funds sold. As of December 31, 2018, we had $41.5 million in cash and due from banks, $2.1 million in interest bearing accounts, and $954 thousand in federal funds sold.

Old Line Bank has sufficient liquidity to meet its loan commitments as well as fluctuations in deposits. We usually retain maturing certificates of deposit as we offer competitive rates on certificates of deposit. Management is not aware of any demands, trends, commitments, or events that would result in Old Line Bank’s inability to meet anticipated or unexpected liquidity needs.

We did not have any unusual liquidity requirements during the nine months ended September 30, 2019. Although we plan for various liquidity scenarios, if turmoil in the financial markets occurs and our depositors lose confidence in us, we could experience liquidity issues.

Old Line Bancshares has available a $5.0 million unsecured line of credit at September 30, 2019. In addition, Old Line Bank has $65.0 million in available lines of credit at September 30, 2019, consisting of overnight federal funds from its correspondent banks. Old Line Bank has an additional secured line of credit from the FHLB of $742.3 million at September 30, 2019. As a condition of obtaining the line of credit from the FHLB, the FHLB requires that Old Line Bank purchase shares of capital stock in the FHLB. Prior to allowing Old Line Bank to borrow under the line of credit, the FHLB also requires that Old Line Bank provide collateral to support borrowings. Therefore, we have provided collateral to support up to $446.3 million in lendable collateral value for FHLB borrowings. We may increase availability by providing additional collateral. Additionally, we have overnight repurchase agreements sold to Old Line Bank’s customers and have provided collateral in the form of investment securities to support the $24.4 million in repurchase agreements.

The FDIC and the Federal Reserve Board have adopted risk-based capital rules for banking organizations. These rules require ratios of capital to assets for minimum capital adequacy and to be classified as well capitalized under prompt corrective action provisions. Under these rules, a bank is considered “well capitalized” if it: (i) has a total risk-based capital ratio of 10.0% or greater; (ii) a Tier 1 risk-based capital ratio of 8.0% or greater; (iii) a common Tier 1 equity ratio of at least 6.5% or greater; (iv) a Tier 1 leverage capital ratio of 5.0% or greater; and (v) is not subject to any written agreement, order, capital directive, or prompt corrective action directive to meet and maintain a specific capital level for any capital measure.

Additionally, the rules limit a banking organization’s ability to make capital distributions, engage in share repurchases, and pay certain discretionary bonus payments if the banking organization does not hold a “capital conservation buffer” consisting of 2.5% of common equity Tier 1 capital to risk-weighted assets in addition to the amount necessary to meet its minimum risk-based capital requirements. The minimum ratios including the buffer are: (i) (i) a total risk-based capital ratio of 10.5%; (ii) a Tier 1 risk-based capital ratio of 8.5%; (iii) a common Tier 1 equity ratio of 7.0%. The buffer does not apply to the Tier 1 leverage capital ratio.

As of September 30, 2019, Old Line Bancshares’ capital levels were such that it remained characterized as “well capitalized” under the rules.

Current regulations require subsidiaries of a financial institution to be separately capitalized and require investments in and extensions of credit to any subsidiary engaged in activities not permissible for a bank to be deducted in the computation of the institution’s regulatory capital. Regulatory capital and regulatory assets below also reflect decreases of $1.1 million and $1.5 million, respectively, which represents unrealized gains (after-tax for capital additions and pre-tax for asset additions, respectively) on MBS and investment securities classified as available for sale. In addition, the risk-based capital reflects an increase of $8.0 million for the general loan loss reserve during the nine months ended September 30, 2019.

As of September 30, 2019, Old Line Bank met all capital adequacy requirements to be considered well capitalized. There were no conditions or events since the end of the third quarter of 2019 that management believes have changed Old Line Bank’s classification as well capitalized.

The following table shows Old Line Bank’s regulatory capital ratios and the minimum capital ratios currently required by its banking regulator to be “well capitalized” at September 30, 2019.

						Minimum capital					To be well
	Actual					adequacy(1)					capitalized
September 30, 2019	Amount		Ratio			Amount		Ratio			Amount		Ratio
	(Dollars in 000’s)
Common equity tier 1 (to risk-weighted assets)	$	315,990		11.68	%	$	121,767		4.5	%	$	175,885		6.5	%
Total capital (to risk weighted assets)	$	324,169		11.98	%	$	216,474		8	%	$	270,593		10	%
Tier 1 capital (to risk weighted assets)	$	315,990		11.68	%	$	162,356		6	%	$	216,474		8	%
Tier 1 leverage (to average assets)	$	315,990		10.74	%	$	117,712		4	%	$	147,139		5	%

__________________

(1)

Does not include the capital conservation buffer of 2.5% that is added on top of each of the minimum risk-based capital ratios noted above other than the Tier leverage (to average assets) ratio.

Our management believes that, under current regulations, and eliminating the assets of Old Line Bancshares, Old Line Bank remains well capitalized and will continue to meet its minimum capital requirements in the foreseeable future. However, events beyond our control, such as a shift in interest rates or an economic downturn in areas where we extend credit, could adversely affect future earnings and, consequently, our ability to meet minimum capital requirements in the future.

Asset Quality

Overview. Management performs reviews of all delinquent loans and foreclosed assets and directs relationship officers to work with customers to resolve potential credit issues in a timely manner. Management reports to the Bank’s Loan Committee weekly and requests its approval for loans that require such approval pursuant to our loan policies. Management also reports to the board of directors with respect to certain loan matters on a monthly basis. Such reports include, among other things, information on delinquent loans and foreclosed real estate. We have formal action plans on criticized assets and provide status reports on OREO on a quarterly basis. These action plans include our actions and plans to cure the delinquent status of the loans and to dispose of foreclosed properties. The Loan Committee consists of four executive officers and four non-employee members of the board of directors.

We classify any property acquired as a result of foreclosure on a mortgage loan as OREO and record it at the lower of the unpaid principal balance or fair value at the date of acquisition and subsequently carry the property at the lower of cost or net realizable value. We charge any required write down of the loan to its net realizable value against the allowance for loan losses at the time of foreclosure. We charge to expense any subsequent adjustments to net realizable value. Upon foreclosure, Old Line Bank generally requires an appraisal of the property and, thereafter, appraisals of the property generally on an annual basis and external inspections on at least a quarterly basis.

As required by ASC Topic 310-Receivables and ASC Topic 450-Contingencies, we measure all impaired loans, which consist of all modified loans (“TDRs”) and other loans for which collection of all contractual principal and interest is not probable, based on the present value of expected future cash flows discounted at the loan’s effective interest rate, or at the loan’s observable market price or the fair value of the collateral if the loan is collateral dependent. If the measure of the impaired loan is less than the recorded investment in the loan, we recognize impairment through a valuation allowance and corresponding provision for loan losses. Old Line Bank considers consumer loans as homogenous loans and thus does not apply the impairment test to these loans. We write off impaired loans when collection of the loan is doubtful.

Potential problem loans represent those loans with a well-defined weakness and where information about possible credit problems of a borrower has caused management to have serious doubts about the borrower’s ability to comply with present repayment terms. These loans do not meet the criteria for, and are therefore not included in, nonperforming assets. Management, however, classifies potential problem loans as either special mention, watch, or substandard. These loans were considered in determining the adequacy of the allowance for loan losses and are closely and regularly monitored to protect our interests. Potential problem loans, which are not included in nonperforming assets, amounted to $23.3 million at September 30, 2019 compared to $26.2 million at December 31, 2018. At September 30, 2019, we had $10.7 million and $12.6 million, respectively, of potential problem loans attributable to our legacy and acquired loan portfolios, compared to $13.0 million and $13.2 million, respectively, at December 31, 2018.

Acquired Loans. Loans acquired in mergers are recorded at estimated fair value on their purchase date with no carryover of the related allowance for loan losses. U.S. GAAP requires that we record acquired loans at fair value, which includes a discount for loans with credit impairment. These loans are not performing according to their contractual terms and meet our definition of a nonperforming loan. The discounts that arise from recording these loans at fair value were due to credit quality. Although we do not accrue interest income at the contractual rate on these loans, we may accrete these discounts to interest income as a result of pre-payments that exceed our expectations or payment in full of amounts due. Purchased, credit-impaired loans that perform consistent with the accretable yield expectations are not reported as non-accrual or nonperforming.

We recorded at fair value all acquired loans from MB&T, WSB, Regal Bank, Damascus and Bay Bank. The fair value of the acquired loans includes expected loan losses, and as a result there was no allowance for loan losses recorded for acquired loans at the time of acquisition. Accordingly, the existence of the acquired loans reduces the ratios of the allowance for loan losses to total gross loans and the allowance for loan losses to non-accrual loans, and this measure is not directly comparable to prior periods. Similarly, net loan charge-offs are normally lower for acquired loans since we recorded these loans net of expected loan losses. Therefore, the ratio of net charge-offs during the period to average loans outstanding is reduced as a result of the existence of acquired loans, and the measures are not directly comparable to prior periods. Other institutions may not have acquired loans, and therefore there may be no direct comparability of these ratios between and among other institutions when compared in total.

Applicable accounting guidance requires that if we experience a decrease in the expected cash flows of a loan subsequent to its acquisition date, we establish an allowance for loan losses for such acquired loan with decreased cash flows. At September 30, 2019, there was $221 thousand of allowance reserved for potential loan losses on acquired loans compared to $466 thousand at December 31, 2018.

Nonperforming Assets. As of September 30, 2019, our nonperforming assets totaled $9.5 million and consisted of $7.5 million of nonaccrual loans, $929 thousand of loans past due 90 days and still accruing and OREO of $1.1 million.

The table below sets forth the amounts and categories of our nonperforming assets at the dates indicated.

	Nonperforming Assets
	September 30, 2019						December 31, 2018
	Legacy		Acquired		Total		Legacy		Acquired		Total
Accruing loans 90 or more days past due
Commercial Real Estate
Owner Occupied	$	—	$	—	$	—	$	—	$	—	$	—
Investment		—		—		—		—		139,247		139,247
Residential Real Estate:
First Lien-Investment		—		83,391		83,391		—		—		—
First Lien-Owner Occupied		—		771,798		771,798		—		103,365		103,365
Commercial		58,665		—		58,665		—		—		—
Consumer		15,419		—		15,419		—		54		54
Total accruing loans 90 or more days past due		74,084		855,189		929,273		—		242,666		242,666
Non-accrued loans:
Commercial Real Estate
Owner Occupied		2,691,810		249,087		2,940,897		—		182,261		182,261
Investment		576,671		52,646		629,317		—		51,070		51,070
Land and A&D		—		10,000		10,000		—		45,000		45,000
Residential Real Estate:
First Lien-Investment		392,490		130,973		523,463		192,501		292,758		485,259
First Lien-Owner Occupied		243,846		1,446,632		1,690,478		262,194		2,027,974		2,290,168
Land and A&D		284,179		199,234		483,413		277,704		201,737		479,441
HELOC and Jr. Liens		—		788,585		788,585		—		690,732		690,732
Commercial		336,179		10,435		346,614		191,388		45,269		236,657
Consumer		29,071		87,825		116,896		15,658		180,846		196,504
Total non-accrued past due loans:		4,554,246		2,975,417		7,529,663		939,445		3,717,647		4,657,092
Other real estate owned (“OREO”)		—		1,091,634		1,091,634		—		882,810		882,810
Total nonperforming assets	$	4,628,330	$	4,922,240	$	9,550,570	$	939,445	$	4,843,123	$	5,782,568
Accruing Troubled Debt Restructurings
Commercial Real Estate:
Owner Occupied	$	—	$	1,476,072	$	1,476,072	$	—	$	1,510,628	$	1,510,628
Residential Real Estate:
First Lien-Owner Occupied		—		391,479		391,479		—		402,650		402,650
Commercial		323,747		64,385		388,132		349,387		67,791		417,178
Consumer		22,668		—		22,668		26,301		—		26,301
Total Accruing Troubled Debt Restructurings	$	346,415	$	1,931,936	$	2,278,351	$	375,688	$	1,981,069	$	2,356,757

The table below reflects our ratios of our nonperforming assets at September 30, 2019 and December 31, 2018.

	September 30,			December 31,
	2019			2018
Ratios, Excluding Acquired Assets
Total nonperforming assets as a percentage of total loans held for investment and OREO		0.25	%		0.06	%
Total nonperforming assets as a percentage of total assets		0.19	%		0.04	%
Total nonperforming assets as a percentage of total loans held for investment		0.25	%		0.06	%

Ratios, Including Acquired Assets
Total nonperforming assets as a percentage of total loans held for investment and OREO		0.39	%		0.24	%
Total nonperforming assets as a percentage of total assets		0.31	%		0.20	%
Total nonperforming assets as a percentage of total loans held for investment		0.39	%		0.24	%

The table below presents a breakdown of the recorded book balance of non-accruing loans at September 30, 2019 and December 31, 2018.

	September 30, 2019								December 31, 2018
			Unpaid				Interest				Unpaid
	# of		Principal		Recorded		Not		# of		Principal		Recorded		Interest Not
	Contracts		Balance		Investment		Accrued		Contracts		Balance		Investment		Accrued
Legacy
Commercial Real Estate:
Owner Occupied		1	$	2,691,810	$	2,691,810	$	70,802		—	$	—	$	—	$	—
Investment		1		576,671		576,671		29,167		—		—		—		—
Residential Real Estate
First Lien-Investment		2		392,490		392,490		50,426		1		192,501		192,501		34,588
First Lien-Owner Occupied		2		243,846		243,846		1,248		2		262,194		262,194		1,413
Land and A & D		1		284,179		284,179		29,316		1		277,704		277,704		16,947
Commercial		4		336,179		336,179		19,412		3		191,388		191,388		6,052
Consumer		3		29,071		29,071		241		3		15,658		15,658		648
Total non-accrual loans		14		4,554,246		4,554,246		200,612		10		939,445		939,445		59,648
Acquired(1)
Commercial Real Estate:
Owner Occupied		1	$	268,416	$	249,087	$	42,378		3	$	283,083	$	182,261	$	42,871
Investment		1		72,408		52,646		8,262		1		72,408		51,070		2,117
Land and A & D		1		293,376		10,000		191,064		1		328,851		45,000		176,212
Residential Real Estate
First Lien-Investment		2		131,636		130,973		3,109		3		298,187		292,758		16,682
First Lien-Owner Occupied		8		1,455,748		1,446,632		139,301		11		2,167,249		2,027,974		201,174
HELOC and Jr. Lien		11		802,140		788,585		35,908		2		701,430		690,732		23,529
Land and A & D		2		209,953		199,234		29,494		9		212,957		201,737		21,319
Commercial		1		10,647		10,435		271		1		48,750		45,269		3,107
Consumer		16		88,987		87,825		1,542		20		183,941		180,846		6,923
Total non-accrual loans		43		3,333,311		2,975,417		451,329		51		4,296,856		3,717,647		493,934
Total all non-accrued loans		57	$	7,887,557	$	7,529,663	$	651,941		61	$	5,236,301	$	4,657,092	$	553,582

__________________

(1)

U.S. GAAP requires that we record acquired loans at fair value, which includes a discount for loans with credit impairment. These loans are not performing according to their contractual terms and meet our definition of a nonperforming loan. The discounts that arise from recording these loans at fair value were due to credit quality. Although we do not accrue interest income at the contractual rate on these loans, we may accrete these discounts to interest income as a result of pre-payments that exceed our cash flow expectations or payment in full of amounts due even though we classify them as 90 or more days past due.

Non-accrual legacy loans at September 30, 2019 increased $3.6 million from December 31, 2018, due primarily to the addition of two commercial real estate loans aggregating $3.3 million.

Non-accrual acquired loans at September 30, 2019 decreased $742 thousand from December 31, 2018 due primarily to a residential mortgage loan that had previously been classified as non-accrual being paid off during 2019.

At September 30, 2019, there was no legacy OREO. Acquired OREO was $1.1 million at September 30, 2019 compared to $883 thousand at December 31, 2018.

Allowance for Loan Losses. We review the adequacy of the allowance for loan losses at least quarterly. Our review includes evaluation of impaired loans as required by ASC Topic 310-Receivables, and ASC Topic 450-Contingencies. Also incorporated in determining the adequacy of the allowance is guidance contained in the Securities and Exchange Commission’s Staff Accounting Bulletin No. 102, Loan Loss Allowance Methodology and Documentation, the Federal Financial Institutions Examination Council’s Policy Statement on Allowance for Loan and Lease Losses Methodologies and Documentation for Banks and Savings Institutions, and the Interagency Policy Statement on the Allowance for Loan and Lease Losses. We also continue to measure the credit impairment at each period end on all loans that have been classified as a TDR using the guidance in ASC 310-10-35.

We have in place risk management practices designed to ensure timely identification of changes in loan risk profiles. Undetected losses, however, inherently exist within the portfolio. Although we may allocate specific portions of the allowance for specific loans or other factors, the entire allowance is available for any loans that we should charge off. We will not create a specific valuation allowance for a loan unless we consider the loan impaired.

The following tables provide an analysis of the allowance for loan losses for the periods indicated:

				Commercial		Residential
September 30, 2019	Commercial			Real Estate		Real Estate			Consumer			Total
Beginning balance	$	1,562,740		$	4,728,694	$	1,081,394		$	98,195		$	7,471,023
Provision for loan losses		41,176			432,152		248,477			220,953			942,758
Recoveries		11,353			1,251		53,149			58,320			124,073
Total		1,615,269			5,162,097		1,383,020			377,468			8,537,854
Loans charged off		(52,858	)		—		(166,526	)		(317,118	)		(536,502	)
Ending Balance	$	1,562,411		$	5,162,097	$	1,216,494		$	60,350		$	8,001,352
Amount allocated to:
Legacy Loans:
Individually evaluated for impairment	$	92,424		$	—	$	71,621		$	1,328		$	165,373
Other loans not individually evaluated		1,465,552			5,152,097		939,200			58,096			7,614,945
Acquired Loans:
Individually evaluated for impairment		4,435			10,000		205,673			926			221,034
Ending balance	$	1,562,411		$	5,162,097	$	1,216,494		$	60,350		$	8,001,352

				Commercial		Residential
December 31, 2018	Commercial			Real Estate		Real Estate			Consumer			Total
Beginning balance	$	1,262,030		$	3,783,735	$	844,355		$	30,466		$	5,920,586
Provision for loan losses		241,994			943,709		220,513			442,479			1,848,695
Recoveries		69,469			1,250		18,350			16,144			105,213
Total		1,573,493			4,728,694		1,083,218			489,089			7,874,494
Loans charged off		(10,753	)		—		(1,824	)		(390,894	)		(403,471	)
Ending Balance	$	1,562,740		$	4,728,694	$	1,081,394		$	98,195		$	7,471,023
Amount allocated to:
Legacy Loans:
Individually evaluated for impairment	$	13,149		$	—	$	39,420		$	1,416		$	53,985
Other loans not individually evaluated		1,455,841			4,714,354		702,934			77,726			6,950,855
Acquired Loans:
Individually evaluated for impairment		93,750			14,340		339,040			19,053			466,183
Ending balance	$	1,562,740		$	4,728,694	$	1,081,394		$	98,195		$	7,471,023

The ratios of the allowance for loan losses are as follows at the dates indicated:

	September 30, 2019		December 31, 2018
Ratio of allowance for loan losses to:
Total gross loans held for investment	0.32	%	0.31	%
Non-accrual loans	106.26	%	160.42	%
Net charge-offs to average loans	0.00	%	0.01	%

During the nine months ended September 30, 2019, we charged off $537 thousand in loans through the allowance for loan losses compared to $403 thousand for the year ended December 31, 2018.

The allowance for loan losses represented 0.32% and 0.31%, respectively, of gross loans held for investment at September 30, 2019 and December 31, 2018, and 0.42% and 0.45%, respectively, of legacy loans at September 30, 2019 and December 31, 2018. We have no exposure to foreign countries or foreign borrowers. Based on our analysis and the satisfactory historical performance of the loan portfolio, we believe this allowance appropriately reflects the inherent risk of loss in our portfolio.

Overall, we continue to believe that the loan portfolio remains manageable in terms of charge-offs and nonperforming assets as a percentage of total loans. We remain diligent and aware of our credit costs and the impact that these can have on our financial institution, and we have taken proactive measures to identify problem loans, including in-house and independent review of larger transactions. Our policy for evaluating problem loans includes obtaining new certified real estate appraisals as needed. We continue to monitor and review frequently the overall asset quality within the loan portfolio.

Contractual Obligations, Commitments, Contingent Liabilities, and Off-balance Sheet Arrangements

Old Line Bancshares is a party to financial instruments with off-balance sheet risk in the normal course of business. These financial instruments primarily include commitments to extend credit, lines of credit and standby letters of credit. Old Line Bancshares uses these financial instruments to meet the financing needs of its customers. These financial instruments involve, to varying degrees, elements of credit, interest rate, and liquidity risk. These commitments do not represent unusual risks and management does not anticipate any losses that would have a material effect on Old Line Bancshares.

Outstanding loan commitments and lines and letters of credit at September 30, 2019 and December 31, 2018, are as follows:

	September 30, 2019		December 31, 2018
	(Dollars in thousands)
Commitments to extend credit and available credit lines:
Commercial	$	192,517	$	198,969
Real estate-undisbursed development and construction		204,811		232,680
Consumer		73,485		77,780
Total	$	470,813	$	509,429
Standby letters of credit	$	17,182	$	17,513

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. Old Line Bancshares generally requires collateral to support financial instruments with credit risk on the same basis as it does for on balance sheet instruments. The collateral is based on management’s credit evaluation of the counterparty. Commitments generally have interest rates fixed at current market rates, expiration dates or other termination clauses and may require payment of a fee. Available credit lines represent the unused portion of lines of credit previously extended and available to the customer so long as there is no violation of any contractual condition. These lines generally have variable interest rates. Since many of the commitments are expected to expire without being drawn upon, and since it is unlikely that all customers will draw upon their lines of credit in full at any time, the total commitment amount or line of credit amount does not necessarily represent future cash requirements. We evaluate each customer’s creditworthiness on a case by case basis. We regularly reevaluate many of our commitments to extend credit. Because we conservatively underwrite these facilities at inception, we generally do not have to withdraw any commitments. We are not aware of any loss that we would incur by funding our commitments or lines of credit.

Commitments for real estate development and construction, which totaled $192.5 million, or 40.89% of the $470.8 million of outstanding commitments, at September 30, 2019 are generally short term and turn over rapidly with principal repayment from permanent financing arrangements upon completion of construction or from sales of the properties financed.

Standby letters of credit are conditional commitments issued to guarantee the performance of a customer to a third party. Our exposure to credit loss in the event of non-performance by the customer is the contract amount of the commitment. The credit risk involved in issuing letters of credit is essentially the same as that involved in extending loan facilities to customers. In general, loan commitments, credit lines and letters of credit are made on the same terms, including with respect to collateral, as outstanding loans. We evaluate each customer’s creditworthiness and the collateral required on a case by case basis.

Reconciliation of Non-GAAP Measures

Below is a reconciliation of the fully tax equivalent adjustments and the U.S. GAAP basis information presented in this report:

Three months ended September 30, 2019

						Net
	Net Interest					Interest
	Income		Yield			Spread
GAAP net interest income	$	23,548,935		3.42	%		3.00	%
Tax equivalent adjustment
Federal funds sold		111		—			—
Investment securities		177,627		0.03			0.03
Loans		217,958		0.03			0.03
Total tax equivalent adjustment		395,696		0.06			0.06
Tax equivalent interest yield	$	23,944,631		3.48	%		3.06	%

Three months ended September 30, 2018

						Net
	Net Interest					Interest
	Income		Yield			Spread
GAAP net interest income	$	24,886,006		3.76	%		3.44	%
Tax equivalent adjustment
Federal funds sold		92		—			—
Investment securities		159,520		0.02			0.02
Loans		181,630		0.03			0.03
Total tax equivalent adjustment		341,242		0.05			0.05
Tax equivalent interest yield	$	25,227,248		3.81	%		3.49	%

Nine months ended September 30, 2019

						Net
	Net Interest					Interest
	Income		Yield			Spread
GAAP net interest income	$	70,328,460		3.46	%		3.05	%
Tax equivalent adjustment
Federal funds sold		338		—			—
Investment securities		541,955		0.03			0.03
Loans		630,439		0.03			0.03
Total tax equivalent adjustment		1,172,732		0.06			0.06
Tax equivalent interest yield	$	71,501,192		3.52	%		3.11	%

Nine months ended September 30, 2018

						Net
	Net Interest					Interest
	Income		Yield			Spread
GAAP net interest income	$	65,877,013		3.73	%		3.43	%
Tax equivalent adjustment
Federal funds sold		208		—			—
Investment securities		481,771		0.03			0.03
Loans		561,258		0.03			0.03
Total tax equivalent adjustment		1,043,237		0.06			0.06
Tax equivalent interest yield	$	66,920,250		3.79	%		3.49	%

Non-GAAP financial measures included in this quarterly report should be read along with these tables providing a reconciliation of non-GAAP financial measures to U.S. GAAP financial measures. The Company’s management believes that the non-GAAP financial measures provide additional useful information that allows readers to evaluate the ongoing performance of the Company and provide meaningful comparison to its peers. Non-GAAP financial measures should not be consider as an alternative to any measure of performance or financial condition as promulgated under U.S. GAAP, and investors should consider the Company’s performance and financial condition as reported under U.S. GAAP and all other relevant information when assessing the performance or financial condition of the Company. Non-GAAP financial measures have limitations as analytical tools, and investors should not consider them in isolation or as a substitute for analysis of the results or financial condition as reported under U.S. GAAP.

Impact of Inflation and Changing Prices

Management has prepared the financial statements and related data presented herein in accordance with U.S. GAAP, which require the measurement of financial position and operating results in terms of historical dollars, without considering changes in the relative purchasing power of money over time due to inflation.

Unlike industrial companies, virtually all the assets and liabilities of a financial institution are monetary in nature. As a result, interest rates have a more significant impact on a financial institution’s performance than the effects of general levels of inflation. Interest rates do not necessarily move in the same direction or in the same magnitude as the price of goods and services, and may frequently reflect government policy initiatives or economic factors not measured by a price index. As discussed above, we strive to manage our interest sensitive assets and liabilities in order to offset the effects of rate changes and inflation.

Information Regarding Forward-Looking Statements

This report contains certain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 21E of the Securities Exchange Act of 1934, as amended (the “Exchange Act”). We may also include forward-looking statements in other statements that we make. All statements that are not descriptions of historical facts are forward-looking statements. Forward-looking statements often use words such as “believe,” “expect,” “plan,” “may,” “will,” “should,” “project,” “contemplate,” “anticipate,” “forecast,” “intend” or other words of similar meaning. You can also identify them by the fact that they do not relate strictly to historical or current facts.

The forward-looking statements presented herein with respect to, among other things: (a) our objectives, expectations and intentions, including (i) that the BYBK acquisition will continue to generate increased earnings and increased returns for our stockholders, (ii) anticipated increases in certain non-interest expenses and that net interest income will continue to increase during the remainder of 2019, (iii) the amount of potential problem loans, (iv) our belief that we have identified any problem assets and that our borrowers will continue to remain current on their loans, (v) expected losses on and our intentions with respect to our investment securities, (vi) continued earnings on bank owned life insurance, (vii) expanding fee income and generating extensions of core banking services, and (viii) hiring and acquisition possibilities; (b) sources of and sufficiency of liquidity; (c) the impact of outstanding off-balance sheet commitments; (d) the adequacy of the allowance for loan losses; (e) expected loan, deposit, balance sheet and earnings growth; (f) expectations with respect to the impact of pending legal proceedings; (g) the anticipated impact of recent accounting pronouncements; (h) continuing to meet regulatory capital requirements; (i) improving earnings per share and stockholder value; (j) the expected timing of the consummation of our pending merger with WesBanco; and (k) financial and other goals and plans.

Old Line Bancshares bases these statements on our beliefs, assumptions and on information available to us as of the date of this filing, which involves risks and uncertainties. These risks and uncertainties include, among others: our ability to retain key personnel; our ability to successfully implement our growth and expansion strategy; risk of loan losses; that the allowance for loan losses may not be sufficient; that changes in interest rates and monetary policy could adversely affect Old Line Bancshares; that changes in regulatory requirements and/or restrictive banking legislation may adversely affect Old Line Bancshares; that the market value of our investments could negatively impact stockholders’ equity; risks associated with our lending limit; expenses associated with operating as a public company; deterioration in general economic conditions or a return to recessionary conditions; and changes in competitive, governmental, regulatory, technological and other factors that may affect us specifically or the banking industry generally; with respect to the timing of the consummation of the pending merger with WesBanco, the ability to obtain all required regulatory approvals; and other risks otherwise discussed in this report.

For a more complete discussion of some of these risks and uncertainties referred to above, see “Risk Factors” in Old Line Bancshares’ Annual Report on Form 10-K for the year ended December 31, 2018, as updated as set forth in Item 1A of Old Line Bancshares’ Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2019.

Old Line Bancshares’ actual results and the actual outcome of our expectations and strategies could differ materially from those anticipated or estimated because of these risks and uncertainties and you should not put undue reliance on any forward-looking statements. All forward-looking statements speak only as of the date of this filing, and Old Line Bancshares undertakes no obligation to update the forward-looking statements to reflect factual assumptions, circumstances or events that have changed after we have made the forward-looking statements.

Item 3. Quantitative and Qualitative Disclosures about Market Risk

Market risk is the exposure to economic loss that arises from changes in the values of certain financial instruments. Various factors, including interest rates, foreign exchange rates, commodity prices, or equity prices, may cause these changes. We are subject to market risk primarily through the effect of changes in interest rates on our portfolio of assets and liabilities. Foreign exchange rates, commodity prices, or equity prices do not pose significant market risk to us. Due to the nature of our operations, only interest rate risk is significant to our consolidated results of operations or financial position. We have no material changes in our quantitative and qualitative disclosures about market risk as of September 30, 2019 from that presented in our Annual Report on Form 10-K for the year ended December 31, 2018.

Interest Rate Sensitivity Analysis and Interest Rate Risk Management

A principal objective of Old Line Bank’s asset/liability management policy is to minimize exposure to changes in interest rates by an ongoing review of the maturity and re-pricing of interest earning assets and interest bearing liabilities.

The tables below present Old Line Bank’s interest rate sensitivity at September 30, 2019 and December 31, 2018. Because certain categories of securities and loans are prepaid before their maturity date even without regard to interest rate fluctuations, we have made certain assumptions to calculate the expected maturity of securities and loans.

	Interest Sensitivity Analysis
	September 30, 2019
	Maturing or Repricing
	Within			4 - 12			1 - 5			Over
	3 Months			Months			Years			5 Years			Total
	(Dollars in thousands)
Interest Earning Assets:
Interest bearing accounts	$	30		$	—		$	—		$	—		$	30
Time deposits in other banks		—			250			100			—			350
Federal funds sold		389			—			—			—			389
Investment securities		—			5,501			7,308			255,726			268,535
Loans		311,360			118,386			1,177,345			871,090			2,478,181
Total interest earning assets		311,779			124,137			1,184,753			1,126,816			2,747,485
Interest Bearing Liabilities:
Interest-bearing transaction deposits		475,664			241,452			—			—			717,116
Savings accounts		69,523			69,523			69,523			—			208,569
Time deposits		13,651			425,608			428,265			—			867,524
Total interest-bearing deposits		558,838			736,583			497,788			—			1,793,209
FHLB advances		180,000			—			—			—			180,000
Other borrowings		24,379			—			—			38,569			62,948
Total interest-bearing liabilities		763,217			736,583			497,788			38,569			2,036,157
Period Gap	$	(451,438	)	$	(612,446	)	$	686,965		$	1,088,247		$	711,328
Cumulative Gap	$	(451,438	)	$	(1,063,884	)	$	(376,919	)	$	711,328
Cumulative Gap/Total Assets		(14.58	)%		(34.35	)%		(12.17	)%		22.97	%

	Interest Sensitivity Analysis
	December 31, 2018
	Maturing or Repricing
	Within			4 - 12			1 - 5			Over
	3 Months			Months			Years			5 Years			Total
	(Dollars in thousands)
Interest Earning Assets:
Interest bearing accounts	$	30		$	—		$	—		$	—		$	30
Time deposits in other banks		—			—			—			—			—
Federal funds sold		954			—			—			—			954
Investment securities		2,776			4,882			64,437			147,611			219,706
Loans		364,674			103,417			1,064,479			881,042			2,413,612
Total interest earning assets		368,434			108,299			1,128,916			1,028,653			2,634,302
Interest Bearing Liabilities:
Interest-bearing transaction deposits		436,132			220,929			—			—			657,061
Savings accounts		71,558			71,558			71,558			—			214,674
Time deposits		136,838			343,596			384,820			—			865,254
Total interest-bearing deposits		644,528			636,083			456,378			—			1,736,989
FHLB advances		190,000			—			—			—			190,000
Other borrowings		38,185			—			—			38,371			76,556
Total interest-bearing liabilities		872,713			636,083			456,378			38,371			2,003,545
Period Gap	$	(504,279	)	$	(527,784	)	$	672,538		$	990,282		$	630,757
Cumulative Gap	$	(504,279	)	$	(1,032,063	)	$	(359,525	)	$	630,757
Cumulative Gap/Total Assets		(17.09	)%		(34.99	)%		(12.19	)%		21.38	%

Item 4.

Controls and Procedures

As of the end of the period covered by this quarterly report on Form 10-Q, Old Line Bancshares’ Chief Executive Officer and Chief Financial Officer evaluated the effectiveness of Old Line Bancshares’ disclosure controls and procedures as defined in Rule 13a-15(e) under the Exchange Act. Based upon that evaluation, Old Line Bancshares’ Chief Executive Officer and Chief Financial Officer concluded that Old Line Bancshares’ disclosure controls and procedures are effective as of September 30, 2019. Disclosure controls and procedures are controls and other procedures that are designed to ensure that information required to be disclosed by Old Line Bancshares in the reports that it files or submits under the Exchange Act is recorded, processed, summarized and reported within the time periods specified in the Securities and Exchange Commission’s rules and forms.

In addition, there were no changes in Old Line Bancshares’ internal control over financial reporting (as defined in Rule 13a-15(f) under the Exchange Act) during the quarter ended September 30, 2019, that have materially affected, or are reasonably likely to materially affect, Old Line Bancshares’ internal control over financial reporting.

PART II-OTHER INFORMATION

Item 1. Legal Proceedings

From time to time, we may be involved in litigation relating to claims arising out of our normal course of business. Currently, we are not involved in any legal proceedings the outcome of which, in management’s opinion, would be material to our financial condition or results of operations.

Item 1A. Risk Factors

There have been no material changes in the risk factors from those disclosed in our Annual Report on Form 10-K for the year ended December 31, 2018, as updated as set forth in Item 1A of our Quarterly Report on Form 10-Q for the quarterly period ended March 31, 2019.

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

As reflected in the following table we did not repurchased any shares of our common stock during the quarter ended September 30, 2019:

Shares Purchased during the period:	Total number of shares repurchased		Average Price paid per share		Total number of share purchased as part of publicly announced program(1)		Maximum number of shares that may yet be purchased under the program (1)

July 1 -September 30, 2019		—		—		62,497		779,139
Total		—		—

__________________

(1)

On November 28, 2018, Old Line Bancshares’ board of directors approved the repurchase of up to 850,000 shares of our outstanding common stock. This repurchase approval replaces the previous authorization for Old Line Bancshares to repurchase up to 500,000 shares of its common stock, approved in February 2015, pursuant to which there were 160,763 shares remaining available to be repurchased, which prior authorization was terminated upon approval of the new repurchase authorization. As of September 30, 2019, 70,861 shares had been repurchased under the current authorization at an average price of $24.90 per share or a total cost of approximately $1.8 million.

Item 3.

Defaults Upon Senior Securities

None

Item 4.

Mine Safety Disclosures

Not applicable

Item 5.

Other Information

None

Item 6.

Exhibits

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

31.2	Rule 13a-14(a) Certification of Chief Financial Officer

32	Section 1350 Certification of Chief Executive Officer and Chief Financial Officer

101	Interactive Data Files pursuant to Rule 405 of Regulation S-T.

SIGNATURES

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

	Old Line Bancshares, Inc.


Date: November 8, 2019	By:	/s/ James W. Cornelsen
		James W. Cornelsen, President and Chief Executive Officer
		(Principal Executive Officer)


Date: November 8, 2019	By:	/s/ Elise M. Adams
		Elise M. Adams Executive Vice President and Chief Financial Officer (Principal Accounting and Financial Officer)

EX-31.1 2 exh_311.htm EXHIBIT 31.1

Exhibit 31.1

I, James W. Cornelsen, certify that:

I have reviewed this quarterly report on Form 10-Q of Old Line Bancshares, Inc.;

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;

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

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

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

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

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

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

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

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

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

Date: November 8, 2019	By:	/s/ James W. Cornelsen
	Name: James W. Cornelsen
	Title: President and Chief Executive Officer

EX-31.2 3 exh_312.htm EXHIBIT 31.2

Exhibit 31.2

I, Elise M. Adams, certify that:

I have reviewed this quarterly report on Form 10-Q of Old Line Bancshares, Inc.;

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: November 8, 2019	By:	/s/ Elise M Adams
	Name: Elise M Adams
	Title: Executive Vice President and Chief Financial Officer

EX-32 4 exh_32.htm EXHIBIT 32

Exhibit 32

CERTIFICATIONS PURSUANT TO 18 U.S.C. SECTION 1350, AS ADOPTED PURSUANT TO SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002

Pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, the undersigned officers of Old Line Bancshares, Inc. (the “Company”) each certifies to the best of his or her knowledge that the Company’s Quarterly Report on Form 10-Q for the quarter ended September 30, 2019 fully complies with the requirements of section 13(a) or 15(d) of the Securities Exchange Act of 1934 and information contained in that Form 10-Q fairly presents, in all material respects, the financial condition and results of operations of the Company.

By:	/s/ James W. Cornelsen
James W. Cornelsen
President and Chief Executive Officer
November 8, 2019

By:	/s/ Elise M. Adams
Elise M. Adams
Executive Vice President and Chief Financial Office
November 8, 2019

This certification is made solely for the purpose of 18 U.S.C. Section 1350, and is not being filed as part of the Form 10-Q or as a separate disclosure document, and may not be disclosed, distributed or used by any person for any reason other than as specifically required by law.

EX-101.INS 5 olbk-20190930.xml XBRL INSTANCE FILE false --12-31 Q3 2019 2019-09-30 10-Q 0001253317 17005446 Yes false Accelerated Filer OLD LINE BANCSHARES INC false false Common Stock, par value $0.01 per share olbk <div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-weight: bold;"><div style="display: inline; font-style: italic;">Accounting Changes -</div></div> Accounting Standards Update (“ASU”) <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2016</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">02,</div> <div style="display: inline; font-style: italic;">Leases</div> (<div style="display: inline; font-style: italic;">Topic <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">842</div>)</div> requires that lessees and lessors recognize lease assets and lease liabilities on the balance sheet and disclose key information about leasing arrangements.  ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2016</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">02</div> was effective for us on <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> January 1, 2019.  </div>ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2016</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">02</div> provides for a modified retrospective transition approach requiring lessees to recognize and measure leases on the balance sheet at the beginning of either the earliest period presented or as of the beginning of the period of adoption with the option to elect certain practical expedients.  We elected to apply ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2016</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">02</div> at of the beginning of the period of adoption (<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> January 1, 2019) </div>and have <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> restated comparative periods.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">Our operating leases relate primarily to office space and bank branches.  As a result of implementing ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2016</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">02,</div> we recognized an operating lease right-of-use (“ROU”) asset of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$26.2</div> million and an operating lease liability of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$26.5</div> million on <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> January 1, 2019, </div>with <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> impact on our consolidated statements of income or consolidated statements of cash flows compared to the prior lease accounting model. The ROU asset and operating lease liability are recorded in other assets and other liabilities, respectively, in the consolidated balance sheets. See Note <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11</div> - Leases for additional information.</div></div></div></div></div></div></div></div> 6226727 6268426 0.43 0.4 0.4088 16319198 11243714 541368907 1041079 2339700 654046 663685 1961631 1516734 62535 278109 571151 786506 261831 640817 10700 913348 93892 242592 336484 84995 10000 583532 17753 696280 68888 45000 407735 27009 548632 63937416 322885287 201807881 25596555 614227139 96617110 379553784 245912416 38603984 760687294 388132 6050882 731995 18371 7189380 509772 3453579 494423 4457774 340824 2194595 93903 2629322 167560 773457 2720353 52730 3714100 172609 3234991 4568592 7976192 559248 7872328 5664394 14000 14109970 59272 -99957 126771 113032 990474 411850 2329160 1342201 -41699 316818 41318 21601 93964 35979 24023527 14197656 4238506 4080198 484350 726525 0.8 0.75 0.85 0.8 1611161 5162097 1381992 216845 8372095 1615269 5162097 1383020 377468 8537854 1604516 4500716 787358 194339 7086929 1604516 4500716 789182 358708 7253122 6 5 26692114 26395472 7 7 -263947 1745803 -1495173 120840383 688188 711577 1925005 1385079 -1556634 <div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">September 30, 2019</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">September 30, 2018</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 66%; font-size: 10pt; text-align: left">Balance at beginning of period</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 14%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">124,090</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 14%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">115,066</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Additions due to BYBK acquisition</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,984</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Accretion of fair value discounts</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(1,375,970</div></td> <td style="font-size: 10pt; text-align: left">)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(873,308</div></td> <td style="font-size: 10pt; text-align: left">)</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Reclassification (to)/from non-accretable discount</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,334,580</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">847,153</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt">Balance at end of period</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">82,700</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">139,895</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> </tr> </table></div><div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Contractually</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Required Payments</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Receivable</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Carrying Amount</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 66%; font-size: 10pt">At September 30, 2019</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 14%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">9,125,242</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 14%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,976,188</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">At December 31, 2018</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,146,165</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">9,396,862</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">At September 30, 2018</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">17,975,448</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">14,109,972</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">At December 31, 2017</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8,277,731</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,617,774</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> </table></div> <div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Commercial</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Commercial</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Residential</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left; border-bottom: Black 1pt solid">September 30, 2019</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">and Industrial</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Real Estate</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Real Estate</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Consumer</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Total</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-align: left">Legacy loans:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt; width: 45%">Individually evaluated for impairment with specific reserve</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">261,831</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">640,817</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,700</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">913,348</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Individually evaluated for impairment without specific reserve</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">388,132</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,050,882</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">731,995</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,371</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,189,380</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Other loans not individually evaluated</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">254,438,109</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,278,067,839</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">299,068,731</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">12,974,940</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,844,549,619</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-align: left">Acquired loans:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Individually evaluated for impairment with specific reserve subsequent to acquisition (ASC 310-20 at acquisition)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">84,995</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,000</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">583,532</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">17,753</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">696,280</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Individually evaluated for impairment without specific reserve (ASC 310-20 at acquisition)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">340,824</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,194,595</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">93,903</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,629,322</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Individually evaluated for impairment without specific reserve (ASC 310-30 at acquisition)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">172,609</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,234,991</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,568,592</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,976,192</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Collectively evaluated for impairment without reserve (ASC 310-20 at acquisition)</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">63,937,416</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">322,885,287</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">201,807,881</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,596,555</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">614,227,139</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Ending balance</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">319,283,092</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,610,589,823</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">509,596,143</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38,712,222</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,478,181,280</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> </tr> </table></div><div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Commercial</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Commercial</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Residential</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left; border-bottom: Black 1pt solid">September 30, 2018</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">and Industrial</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Real Estate</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Real Estate</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Consumer</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Total</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-align: left">Legacy loans:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt; width: 45%">Individually evaluated for impairment with specific reserve</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">93,892</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">242,592</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">336,484</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Individually evaluated for impairment without specific reserve</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">509,772</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,453,579</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">494,423</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,457,774</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Other loans not individually evaluated</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">215,125,991</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,113,299,121</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">258,804,372</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">17,671,242</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,604,900,726</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-align: left">Acquired loans:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Individually evaluated for impairment with specific reserve subsequent to acquisition (ASC 310-20 at acquisition)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">68,888</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">45,000</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">407,735</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">27,009</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">548,632</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Individually evaluated for impairment without specific reserve (ASC 310-20 at acquisition)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">167,560</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">773,457</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,720,353</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52,730</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,714,100</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Individually evaluated for impairment without specific reserve (ASC 310-30 at acquisition)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">559,248</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,872,328</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5,664,394</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">14,000</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">14,109,970</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Collectively evaluated for impairment without reserve (ASC 310-20 at acquisition)</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">96,617,110</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">379,553,784</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">245,912,416</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38,603,984</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">760,687,294</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt">Ending balance</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">312,642,461</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,504,997,269</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">514,246,285</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">56,368,965</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,388,254,980</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> </tr> </table></div>

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<div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-weight: bold;"><div style="display: inline; font-style: italic;">Basis of Presentation and Consolidation</div></div> - The accompanying condensed consolidated financial statements include the activity of Old Line Bancshares and its wholly owned subsidiary, Old Line Bank. We have eliminated all significant intercompany transactions and balances.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">The foregoing consolidated financial statements for the periods ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> September 30, 2019 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2018</div> are unaudited and have been prepared in accordance with U.S. generally accepted accounting principles (“U.S. GAAP”), however, in the opinion of management we have included all adjustments necessary for a fair presentation of the results of the interim period. We derived the balances as of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December </div><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">31,</div> <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2018</div> from audited financial statements. These statements should be read in conjunction with Old Line Bancshares’ financial statements and accompanying notes included in Old Line Bancshares’ Form <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10</div>-K for the year ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December </div><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">31,</div> <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2018.</div> We have made <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> significant changes to Old Line Bancshares’ accounting policies as disclosed in the Form <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10</div>-K, except as described in the Recent Accounting Pronouncements section below.</div></div></div></div></div></div></div></div>

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<div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="19" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">September 30, 2019 (in thousands)</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Quoted Prices</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Significant</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Significant</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Total</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">in Active</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Other</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Other</div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Carrying</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Estimated</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Markets for</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Observable</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Unobservable</div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Amount</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Fair</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Identical Assets</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Inputs</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Inputs</div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(000’s)</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Value</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(Level 1)</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(Level 2)</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(Level 3)</div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 0pt">Assets:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 35%; font-size: 10pt; text-align: left; text-indent: 10pt">Cash and cash equivalents</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">47,001</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">47,001</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">47,001</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Loans receivable, net</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,473,922</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,478,723</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,478,723</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Loans held for sale</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">22,534</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">22,669</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">22,669</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Equity Securities at cost</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,887</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,887</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,887</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Accrued interest receivable</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,961</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,961</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,650</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,311</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 0pt">Liabilities:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Deposits:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 20pt">Non-interest-bearing</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">620,136</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">620,136</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">620,136</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 20pt">Interest bearing</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,793,209</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,810,152</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,810,152</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Short term borrowings</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">204,379</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">204,379</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">204,379</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Long term borrowings</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38,569</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38,569</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38,569</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Accrued interest payable</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,453</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,453</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,453</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> </table></div><div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="19" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">December 31, 2018 (in thousands)</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Quoted Prices</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Significant</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Significant</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Total</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">in Active</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Other</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Other</div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Carrying</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Estimated</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Markets for</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Observable</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Unobservable</div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Amount</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Fair</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Identical Assets</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Inputs</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Inputs</div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(000’s)</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Value</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(Level 1)</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(Level 2)</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(Level 3)</div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 0pt">Assets:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 35%; font-size: 10pt; text-align: left; text-indent: 10pt">Cash and cash equivalents</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">44,501</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">44,501</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">44,501</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Loans receivable, net</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,409,228</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,383,673</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,383,673</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Loans held for sale</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,564</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,860</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,860</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Equity Securities at cost</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,151</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,151</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,151</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Accrued interest receivable</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,959</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,959</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,393</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,566</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 0pt">Liabilities:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Deposits:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 20pt">Non-interest-bearing</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">559,060</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">559,060</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">559,060</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 20pt">Interest bearing</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,736,989</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,752,883</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,752,883</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Short term borrowings</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">228,185</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">228,185</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">228,185</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Long term borrowings</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38,371</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38,371</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38,371</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Accrued interest payable</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,845</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,845</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,845</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> </table></div>

<div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" style="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; min-width: 700px;"> <tr style="vertical-align: top"> <td style="width: 0pt"></td> <td style="width: 35.3pt"><div style="display: inline; font-weight: bold;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8.</div></div></td> <td><div style="display: inline; font-weight: bold;">FAIR VALUE MEASUREMENT</div></td> </tr> </table> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">The fair value of an asset or liability is the price that participants would receive to sell an asset or pay to transfer a liability in an orderly transaction between market participants. A fair value measurement assumes that the transaction to sell the asset or transfer the liability occurs in the principal market for the asset or liability, or, in the absence of a principal market, the most advantageous market for the asset or liability. The price in the principal (or most advantageous) market used to measure the fair value of the asset or liability shall <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> be adjusted for transaction costs. An orderly transaction is a transaction that assumes exposure to the market for a period prior to the measurement date to allow for marketing activities that are usual and customary for transactions involving such assets and liabilities; it is <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> a forced transaction. Market participants are buyers and sellers in the principal market that are (i) independent, (ii) knowledgeable, (iii) able to transact and (iv) willing to transact.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">The fair value hierarchy established by accounting standards defines <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> input levels for fair value measurement. The applicable standard describes <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> levels of inputs that <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>be used to measure fair value: Level <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div> is based on quoted market prices in active markets for identical assets. Level <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2</div> is based on significant observable inputs other than Level <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div> prices. Level <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div> is based on significant unobservable inputs that reflect a company’s own assumptions about the assumption that market participants would use in pricing an asset or liability. We evaluate fair value measurement inputs on an ongoing basis in order to determine if there is a change of sufficient significance to warrant a transfer between levels. There were <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> transfers between levels during the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">nine</div> months ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> September 30, 2019 </div>or the year ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2018.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">At <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> September 30, 2019, </div>we hold, as part of our investment portfolio, available for sale securities reported at fair value consisting of municipal securities, U.S. government sponsored entities, corporate bonds, and MBS. Prior to <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> September 30, 2019, </div>corporate bonds included our foreign debt securities (Israel bonds) that we have now moved into a separate classification. The fair value of the majority of these securities is determined using widely accepted valuation techniques including matrix pricing and broker quote-based applications. Inputs include benchmark yields, reported trades, issuer spreads, prepayments speeds and other relevant items, which inputs are used by a <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">third</div>-party pricing service we use to make these determinations.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">To validate the appropriateness of the valuations provided by the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">third</div> party, we regularly update the understanding of the inputs used and compare valuations to an additional <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">third</div> party source. We classify all our investment securities available for sale in Level <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2</div> of the fair value hierarchy, with the exception of treasury securities, which fall into Level <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,</div> and our corporate bonds and our foreign debt securities, which fall into Level <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div>  <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div style=" font-size: 10pt; text-indent: 0.5in; margin: 0pt 0"><div style="display: inline; text-decoration: underline;">Assets and Liabilities Measured at Fair Value on a Recurring Basis</div></div> <div style=" font-size: 10pt; text-indent: 0.5in; margin: 0pt 0"> </div> <div style=" font-size: 10pt; text-indent: 0.5in; margin: 0pt 0; color: Red"></div> <div> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="19" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">At September 30, 2019 (In thousands)</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Quoted Prices in</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Other</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Significant</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Total Changes</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Active Markets for</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Observable</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Unobservable</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">in Fair Values</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Identical Assets</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Inputs</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Inputs</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Included in</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Carrying Value</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">(Level 1)</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">(Level 2)</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">(Level 3)</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Period Earnings</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 0pt">Available-for-sale:</td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 35%; font-size: 10pt; text-align: left; text-indent: 10pt">Treasury securities</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,996</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,996</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">U.S. government agency</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">60,137</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">60,137</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Corporate bonds</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,999</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,999</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Foreign debt securities</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,002</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,002</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Municipal securities</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">78,895</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">78,895</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">FHLMC MBS</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">16,728</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">16,728</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">FNMA MBS</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">57,939</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">57,939</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; text-indent: 10pt">GNMA MBS</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,839</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,839</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt; text-indent: 0pt">Total recurring assets at fair value</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">268,535</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,996</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">239,538</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">26,001</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> </tr> </table> </div> <div style=" font-size: 10pt; text-indent: 0.5in; margin: 0pt 0; color: Red"></div> <div style=" font-size: 10pt; text-indent: 0.5in; margin: 0pt 0; color: Red"></div> <div style=" font-size: 10pt; margin: 0pt 0"> </div> <div style=" font-size: 10pt; margin: 0pt 0"></div> <div> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="19" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">At December 31, 2018 (In thousands)</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Quoted Prices in</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Other</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Significant</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Total Changes</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Active Markets for</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Observable</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Unobservable</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">in Fair Values</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Identical Assets</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Inputs</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Inputs</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Included in</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Carrying Value</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">(Level 1)</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">(Level 2)</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">(Level 3)</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Period Earnings</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 0pt">Available-for-sale:</td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 35%; font-size: 10pt; text-align: left; text-indent: 10pt">Treasury securities</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,993</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,993</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">U.S. government agency</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,606</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,606</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Corporate bonds</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,843</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,843</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Foreign debt securities</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,496</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,496</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Municipal securities</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">77,289</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">77,289</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">FHLMC MBS</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,074</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,074</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">FNMA MBS</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">53,659</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">53,659</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; text-indent: 10pt">GNMA MBS</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">26,746</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">26,746</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 0pt">Total recurring assets at fair value</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">219,706</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,993</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">194,374</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">22,339</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> </tr> </table> </div> <div style=" font-size: 10pt; margin: 0pt 0"></div> <div style=" font-size: 10pt; margin: 0pt 0"></div> <div style=" font-size: 10pt; margin: 0pt 0"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">Our valuation methodologies <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>produce a fair value calculation that <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> be indicative of net realizable value or reflective of future fair values. While management believes our methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value. Furthermore, we have <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> comprehensively revalued the fair value amounts since the presentation dates, and therefore, estimates of fair value after the balance sheet date <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>differ significantly from the above presented amounts.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">The fair value of the majority of the securities in significant unobservable inputs (Level <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div>) is determined using widely accepted valuation techniques including matrix pricing and broker-quote based applications. Inputs include benchmark yields, reported trades, issuer spreads, prepayments speeds and other relevant items, which inputs are used by a <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">third</div>-party pricing service we use to make these determinations.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">The following table provides a reconciliation of changes in fair value included in assets measured in the Consolidated Balance Sheet using inputs classified as level <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div> in the fair value for the period indicated:</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in; color: Red"></div> <div> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; border-bottom: Black 1pt solid">(in thousands)</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Level 3</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Investment available-for-sale</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 85%; font-size: 10pt; text-align: left">Balance as of January 1, 2019</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">22,339</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Realized and unrealized gains (losses)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 20pt">Included in earnings</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 20pt">Included in other comprehensive income</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">162</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Purchases, issuances, sales and settlements</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,500</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Transfers into or out of level 3</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt">Balance at September 30, 2019</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">26,001</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in; color: Red"></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in; color: Red"></div> <div style=" font-size: 10pt; margin: 0pt 0"> </div> <div style=" font-size: 10pt; margin: 0pt 0"></div>  <div style=" font-size: 10pt; margin: 0pt 0"></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">The fair value calculated <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> be indicative of net realized value or reflective of future fair values.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; text-decoration: underline;">Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">We <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>be required, from time to time, to measure certain assets at fair value on a non-recurring basis in accordance with U.S. GAAP. These include assets that are measured at the lower of cost or market that were recognized at fair value below cost at the end of the period. Assets measured at fair value on a nonrecurring basis at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> September 30, 2019 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2018 </div>are included in the tables below.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">We also measure certain non-financial assets such as OREO, TDRs, and repossessed or foreclosed property at fair value on a non-recurring basis. Generally, we estimate the fair value of these items using Level <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2</div> inputs based on observable market data or Level <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div> inputs based on discounting criteria.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in; color: Red"></div> <div> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="15" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">At September 30, 2019 (In thousands)</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Quoted Prices in</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Other</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Significant</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Active Markets for</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Observable</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Unobservable</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Identical Assets</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Inputs</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Inputs</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Carrying Value</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">(Level 1)</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">(Level 2)</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">(Level 3)</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Impaired Loans</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 48%; font-size: 10pt; text-align: left; text-indent: 10pt">Legacy:</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,933</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,933</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Acquired:</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,109</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,109</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Total Impaired Loans</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,042</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,042</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Other real estate owned:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Legacy:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Acquired:</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,092</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,092</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Total other real estate owned:</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,092</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,092</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt">Total</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">12,134</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">12,134</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in; color: Red"></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in; color: Red"></div> <div style=" font-size: 10pt; margin: 0pt 0"> </div> <div style=" font-size: 10pt; margin: 0pt 0"></div> <div> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="15" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">At December 31, 2018 (In thousands)</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Quoted Prices in</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Other</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Significant</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Active Markets for</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Observable</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Unobservable</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Identical Assets</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Inputs</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Inputs</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Carrying Value</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">(Level 1)</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">(Level 2)</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">(Level 3)</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Impaired Loans</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt; width: 48%">Legacy:</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,745</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,745</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Acquired:</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,894</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,894</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Total Impaired Loans</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,639</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,639</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Other real estate owned:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Legacy:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Acquired:</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">883</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">883</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Total other real estate owned:</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">883</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">883</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt">Total</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,522</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,522</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> </tr> </table> </div> <div style=" font-size: 10pt; margin: 0pt 0"></div> <div style=" font-size: 10pt; margin: 0pt 0"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">As of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> September 30, 2019, </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2018, </div>we estimated the fair value of impaired assets using Level <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div> inputs to be <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$12.1</div> million and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$7.5</div> million, respectively. We determined these Level <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3</div> inputs based on appraisal evaluations, offers to purchase and/or appraisals that we obtained from an outside <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">third</div> party during the preceding <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">twelve</div> months less costs to sell. Discounts have predominantly been in the range of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">0%</div> to <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50%.</div> As a result of the acquisitions of Maryland Bankcorp, WSB Holdings, Regal, DCB and BYBK, we have segmented the impaired loans and OREO into <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">two</div> components, impaired assets obtained as a result of loans originated by Old Line Bank (legacy) and impaired assets acquired from MB&T, WSB, Regal Bank, DCB and Bay Bank or obtained as a result of loans originated by MB&T, WSB, Regal Bank and Bay Bank (acquired).</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">The following presents the carrying amount, fair value, and placement in the fair value hierarchy of Old Line Bancshares’ financial instruments <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> recorded at fair value on a recurring or non-recurring basis as of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> September 30, 2019 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December </div><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">31,</div> <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2018.</div>  For short term financial assets such as cash and cash equivalents, the carrying amount is a reasonable estimate of fair value due to the relatively short time between the origination of the instrument and its expected realization.  For non-marketable equity securities, the carrying amount is a reasonable estimate of fair value as these securities can only be redeemed or sold at their par value and only to the respective issuing government-supported institution or to another member institution.  For net loans receivable, an exit price notion is used consistent with ASC Topic <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">820</div>-<div style="display: inline; font-style: italic;">Fair Value Measurement</div>. For financial liabilities such as noninterest-bearing demand, interest bearing demand, and savings deposits, the carrying amount is a reasonable estimate of fair value due to these products having <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> stated maturity.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div>  <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; text-indent: -0.5in; margin: 0pt 0 0pt 0.5in; color: Red"></div> <div> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="19" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">September 30, 2019 (in thousands)</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Quoted Prices</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Significant</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Significant</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Total</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">in Active</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Other</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Other</div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Carrying</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Estimated</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Markets for</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Observable</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Unobservable</div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Amount</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Fair</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Identical Assets</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Inputs</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Inputs</div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(000’s)</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Value</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(Level 1)</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(Level 2)</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(Level 3)</div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 0pt">Assets:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 35%; font-size: 10pt; text-align: left; text-indent: 10pt">Cash and cash equivalents</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">47,001</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">47,001</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">47,001</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Loans receivable, net</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,473,922</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,478,723</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,478,723</div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Loans held for sale</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">22,534</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">22,669</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">22,669</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Equity Securities at cost</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,887</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,887</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,887</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Accrued interest receivable</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,961</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,961</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,650</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,311</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 0pt">Liabilities:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Deposits:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 20pt">Non-interest-bearing</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">620,136</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">620,136</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">620,136</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 20pt">Interest bearing</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,793,209</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,810,152</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,810,152</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Short term borrowings</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">204,379</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">204,379</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">204,379</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Long term borrowings</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38,569</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38,569</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38,569</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Accrued interest payable</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,453</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,453</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,453</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; text-indent: -0.5in; margin: 0pt 0 0pt 0.5in; color: Red"></div> <div style=" font-size: 10pt; text-align: justify; text-indent: -0.5in; margin: 0pt 0 0pt 0.5in; color: Red"> </div> <div style=" font-size: 10pt; text-align: justify; text-indent: -0.5in; margin: 0pt 0 0pt 0.5in; color: Red"></div> <div> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="19" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">December 31, 2018 (in thousands)</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Quoted Prices</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Significant</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Significant</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Total</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">in Active</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Other</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Other</div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Carrying</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Estimated</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Markets for</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Observable</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Unobservable</div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Amount</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Fair</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Identical Assets</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Inputs</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Inputs</div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(000’s)</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Value</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(Level 1)</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(Level 2)</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(Level 3)</div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 0pt">Assets:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 35%; font-size: 10pt; text-align: left; text-indent: 10pt">Cash and cash equivalents</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">44,501</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">44,501</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">44,501</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Loans receivable, net</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,409,228</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,383,673</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,383,673</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Loans held for sale</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,564</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,860</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,860</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Equity Securities at cost</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,151</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,151</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,151</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Accrued interest receivable</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,959</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,959</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,393</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,566</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 0pt">Liabilities:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Deposits:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 20pt">Non-interest-bearing</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">559,060</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">559,060</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">559,060</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 20pt">Interest bearing</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,736,989</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,752,883</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,752,883</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Short term borrowings</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">228,185</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">228,185</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">228,185</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Long term borrowings</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38,371</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38,371</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38,371</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; text-indent: 10pt">Accrued interest payable</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,845</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,845</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,845</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> </table> </div></div>

162000

3500000

22339000

26001000

388971

953582

120800000

180000000

190000000

1465552

5152097

939200

58096

7614945

1441108

4500716

525749

60852

6528425

92424

71621

1328

165373

4435

10000

205673

926

221034

93892

76495

170387

69516

185114

26608

281238

254438109

1278067839

299068731

12974940

1844549619

215125991

1113299121

258804372

17671242

1604900726

27009

28009

2200000

2400000

1841048778

614066133

2455114911

1659191112

729738007

2388929119

576671

52646

629317

51070

392490

130973

523463

192501

292758

485259

243846

1446632

1690478

262194

2027974

2290168

284129

199234

483363

277704

201737

479441

788585

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336179

10435

346614

191388

45269

236657

29071

87825

116896

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180846

196504

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7529613

939445

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4657092

1692891

3990558

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179701

896227

1075928

90884

1684528

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94178

3062084

3156262

622365

883460

413191

1296651

100227

512939

613166

119924

790989

910913

2615507

1253843

3869350

670318

1444347

2114665

136811

602432

739243

320071

1338813

1658884

6975239

7632194

14607433

7987614

11795595

19783209

139247

83391

771798

103365

58665

15419

74084

855189

929273

242666

7049323

8487383

15536706

7987614

12038261

20025875

2691810

249087

2940897

182261

10000

45000

-1100

32599

13266

560186

32599

13266

-80738

-26266

94668455

8163306

8156719

3965065

4021633

12128371

12178352

4938812

5289532

10228344

41856

186584

36531

143251

78387

329835

198805

96107

294912

7933000

3109000

11042000

2745000

3894000

6639000

6440824

3325602

9766426

4808509

4359717

9168226

36621

35000

92424

1328

165373

10000

86434

35160

26865

56048

4435

2092

221034

386407

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53985

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62701

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78814

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4810584

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4390510

1665461

1672558

177569

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585780

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19857

20986

268197

267605

163876

1696380

1706748

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1766117

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52325

575505

93903

1737394

1688661

262194

277704

486048

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232635

2011286

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4388978

1661904

177569

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388132

18371

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1578372

52325

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93903

1737394

1688661

262194

277704

486048

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2127854

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136898

284179

283663

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139152

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84898

85797

26486

27308

192501

152898

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163876

482422

310862

159819

534204

48750

231978

402

157

927

6397

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719

2532

3674

1341

654

3926

1129

2750

7695

7871

12254

237

11619

214921

141717

284179

261831

10700

10000

157628

131636

67633

226635

84995

17753

192501

148349

14163

72408

459033

298187

154297

533565

48750

188102

214921

141717

284179

261831

10700

293376

157628

131636

67633

226635

84995

17753

192501

148349

14163

72408

459033

298187

154297

533565

48750

188102

<div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; padding-left: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="11" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt">Impaired Loans</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; padding-left: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="7" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-size: 10pt">Three months</div></div> <div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-size: 10pt">September 30, 2019</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="7" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-size: 10pt">Nine months</div></div> <div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-size: 10pt">September 30, 2019</div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left; padding-left: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Unpaid</div></div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Average</div></div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Interest</div></div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Average</div></div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Interest</div></div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left; padding-left: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Principal</div></div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Recorded</div></div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Related</div></div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Recorded</div></div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Income</div></div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Recorded</div></div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Income</div></div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left; padding-left: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Balance</div></div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Investment</div></div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Allowance</div></div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Investment</div></div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Recognized</div></div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Investment</div></div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Recognized</div></div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-align: left; padding-left: 0pt"><div style="display: inline; font-size: 10pt">Legacy</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 0pt"><div style="display: inline; font-size: 10pt">With no related allowance recorded:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Commercial Real Estate:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 30%; font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">Owner Occupied</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,388,978</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,388,978</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,408,758</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">26,298</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,390,510</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">113,063</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">Investment</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,661,904</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,665,461</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,348</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,672,558</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">37,937</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">Land and A&D</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Residential Real Estate:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">First Lien-Investment</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">177,569</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">177,569</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">177,569</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">178,361</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,344</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">First Lien-Owner Occupied</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">554,426</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">554,426</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">585,780</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,763</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">594,879</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">17,992</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Commercial and Industrial</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">388,132</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">388,132</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">396,657</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,817</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">404,026</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,573</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Consumer</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,371</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,371</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">19,857</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">473</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">20,986</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,346</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 0pt"><div style="display: inline; font-size: 10pt">With an allowance recorded:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Commercial Real Estate:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Residential Real Estate:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">First Lien-Investment</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">214,921</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">214,921</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">36,621</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">213,397</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">199,543</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">First Lien-Owner Occupied</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">141,717</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">141,717</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">137,449</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">136,898</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">Land and A&D</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">284,179</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">284,179</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">35,000</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">284,179</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">283,663</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Commercial and Industrial</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">261,831</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">261,831</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">92,424</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">262,469</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">263,095</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">402</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Consumer</div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,700</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,700</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,328</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,730</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">157</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">12,200</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">927</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 0pt"><div style="display: inline; font-size: 10pt">Total legacy impaired</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8,102,728</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,440,824</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">165,373</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8,163,306</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">41,856</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8,156,719</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">186,584</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-align: left; padding-left: 0pt"><div style="display: inline; font-size: 10pt">Acquired(1)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 0pt"><div style="display: inline; font-size: 10pt">With no related allowance recorded:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Commercial Real Estate:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">Owner Occupied</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">268,416</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">268,416</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">268,197</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">267,605</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">Investment</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">72,408</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">72,408</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">163,876</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">163,876</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">Land and A&D</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Residential Real Estate:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">First Lien-Owner Occupied</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,578,372</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,566,765</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,696,380</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,155</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,706,748</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95,104</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">First Lien-Investment</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">Land and A&D</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52,325</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52,325</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">59,432</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">950</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">60,299</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,168</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">HELOC and Jr. Lien</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">575,505</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">575,505</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">641,739</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,821</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">651,554</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">20,181</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Commercial</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Consumer</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">93,903</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">93,903</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">107,108</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,489</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">119,554</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,692</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 0pt"><div style="display: inline; font-size: 10pt">With an allowance recorded:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Commercial Real Estate:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">Investment</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">Land and A&D</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">293,376</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,000</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,000</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">293,376</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">316,506</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Residential Real Estate:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">Land and A&D</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">157,628</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">157,628</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">86,434</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">162,348</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">161,556</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">First Lien-Investment</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">131,636</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">131,636</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">35,160</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">139,152</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,397</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">135,530</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,905</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">First Lien-Owner Occupied</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">67,633</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">67,633</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">26,865</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">68,922</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">719</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">69,375</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,532</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">HELOC and Jr. Lien</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">226,635</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">226,635</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">56,048</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">253,151</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">255,925</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,674</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Commercial and Industrial</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">84,995</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">84,995</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,435</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">84,898</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">85,797</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,341</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Consumer</div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">17,753</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">17,753</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,092</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">26,486</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">27,308</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">654</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt"><div style="display: inline; font-size: 10pt">Total acquired impaired</div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,620,585</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,325,602</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">221,034</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,965,065</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">36,531</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,021,633</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">143,251</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt"><div style="display: inline; font-size: 10pt">Total impaired</div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt">$</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,723,313</div></div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt">$</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">9,766,426</div></div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt">$</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">386,407</div></div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt">$</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">12,128,371</div></div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt">$</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">78,387</div></div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">12,178,352</div></div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt">$</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">329,835</div></div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> </table></div><div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td colspan="21" style="font-size: 10pt; font-weight: bold; text-align: center">Impaired Loans</td> </tr> <tr style="vertical-align: bottom"> <td colspan="21" style="font-size: 10pt; font-weight: bold; text-align: center">December 31, 2018</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Unpaid</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Average</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Interest</div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Principal</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Recorded</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Related</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Recorded</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Income</div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Balance</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Investment</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Allowance</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Investment</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Recognized</div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-align: left">Legacy</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">With no related allowance recorded:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Commercial Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 35%; font-size: 10pt; text-align: left; padding-left: 30pt">Owner Occupied</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,737,394</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,737,394</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,766,117</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">74,203</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,688,661</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,688,661</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,716,183</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">88,410</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Residential Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">First Lien-Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">262,194</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">262,194</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">285,514</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,412</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">Land and A&D</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">277,704</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">277,704</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">277,704</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Commercial and Industrial</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">486,048</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">486,048</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">509,971</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,595</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Consumer</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,495</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,495</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,707</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,130</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">With an allowance recorded:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Residential Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">First Lien-Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">First Lien-Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">192,501</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">192,501</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">39,420</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">192,501</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Commercial and Industrial</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">148,349</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">148,349</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13,149</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">152,898</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,926</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">14,163</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">14,163</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,416</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">27,217</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,129</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Total legacy impaired</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,808,509</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,808,509</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">53,985</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,938,812</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">198,805</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; font-weight: bold; text-align: left">Acquired(1)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">With no related allowance recorded:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Commercial Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">283,083</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">232,635</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">542,654</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,281</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Residential Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">First Lien-Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,127,854</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,011,286</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,159,327</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38,636</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">Land and A&D</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">58,659</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">58,659</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">62,178</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,896</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Consumer</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">22,139</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">22,139</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">26,027</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">364</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">With an allowance recorded:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Commercial Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">72,408</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">72,408</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">14,340</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">163,876</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,750</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">First Lien-Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">459,033</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">459,033</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">98,008</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">482,422</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,695</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">First Lien-Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">298,187</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">298,187</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">62,701</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">310,862</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,871</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">Land and A&D</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">154,297</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">154,297</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">99,517</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">159,819</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">HELOC and Jr. Lien</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">533,565</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">533,565</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">78,814</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">534,204</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">12,254</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Commercial and Industrial</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">48,750</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">48,750</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">48,750</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">48,750</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">237</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">188,102</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">188,102</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">19,053</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">231,978</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,619</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Total acquired impaired</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,810,584</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,359,717</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">466,183</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5,289,532</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">96,107</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt">Total impaired</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">9,619,093</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">9,168,226</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">520,168</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,228,344</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">294,912</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> </table></div>

12316014

10721132

35648901

23698694

3131785

2456303

9048418

6642850

123434

5014510

5750804

7600000

-2157375

2063

882542

-4891076

-1134944

1247119

1059152

-391858

171712

595490

791450

115027070

-197147516

614964

86942

-1450261

-436815

117553

230263

2269821

245116710

782593

659926

2270503

1971747

13400601

15362232

31346934

30753324

93960129

80246381

29125029

29056814

87101189

75206303

1793209494

1736989227

1793209000

1810152000

1736989000

1752883000

1625029

2051273

7797999

5867319

23631669

14369368

1678093

1768532

5791436

4817613

6119906

4098787

17840233

9551755

23092935

24578135

69385702

64641990

23548935

24886005

70328460

65877013

2853

3553

11642

7079

258924

200394

776942

607601

593737

563384

1933777

1690299

527463

89953

1576012

262905

488275

498200

1476610

1498163

16156

16325

48423

42953

2452857

2844715

2453000

2845000

7960574

7958511

7961000

1650000

6311000

7959000

1393000

6566000

709302

728550

2049185

2028013

7717352

7491736

22451706

20178521

<div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; min-; min-width: 700px;"> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 85%; font-size: 10pt">Three months ended September 30, 2019</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">744,472</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">Nine Months ended September 30, 2019</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,185,178</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> </table></div><div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt">Three months ended September 30,</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">2019</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 85%; font-size: 10pt; text-align: left; padding-bottom: 2.5pt">Operating cash flows from operating leases</td> <td style="width: 1%; font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="width: 1%; border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">670,716</div></td> <td style="width: 1%; border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Right-of-use assets obtained in exchange for lease</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt; text-indent: 10pt">Operating leases</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">466,526</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; font-weight: bold">Nine months ended September 30,</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt; text-indent: 10pt">Operating cash flows from operating leases</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,948,934</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Right-of-use assets obtained in exchange for lease</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt; text-indent: 10pt">Operating leases</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,356,776</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> </tr> </table></div><div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; min-; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; padding-bottom: 1pt">Nine months ended September 30, 2019</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: center; border-bottom: Black 1pt solid">2019</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 85%; font-size: 10pt; text-align: left">Operating lease right-of-use assets</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">27,743,459</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Lease liabilities</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">28,276,343</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-align: left">Weighted Average Remaining Operating Lease Term In Years</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">12.68</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-align: left">Weighted Average Discount Rate on Operating Leases</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3.00</div></td> <td style="font-size: 10pt; text-align: left">%</td> </tr> </table></div>

28722998

18501545

1902749

446655

P5Y

P10Y

P1Y

P20Y

2699477097

2579236561

3096837944

2950007095

2400000

1300000

1100000

8001352

7471023

1665674

4882255

1283903

57903

7889735

1562411

5162097

1216494

60350

1562740

4728694

1081394

98195

1680448

4196752

749630

77747

6704577

1604516

4500716

787358

87460

6980050

1262030

3783735

844355

30466

5920586

7780318

221034

7004839

466184

1610589823

1510000000

250159698

509596143

523600000

1852652297

625528933

2478181230

1668118171

745493915

2413612086

319283092

38712222

312642461

1504997269

514246285

56368965

2388254980

309452786

124699211

434151997

299266275

140892706

440158981

662296193

175779493

838075686

592529807

195883002

788412809

231201755

18957943

172189046

13134019

185323065

81167986

7034455

88202441

71908761

21760867

93669628

127305162

40180391

167485553

104084050

48483340

152567390

108338535

123386650

231725185

108696078

140221589

248917667

42648776

10016798

52665574

42639161

16828434

59467595

22149070

35570762

57719832

20749184

41939123

62688307

255088072

64195020

319283092

239766662

91431724

331198386

13004012

25708210

16289147

34919111

51208258

303183923

122143948

425327871

659590203

74557546

734147749

231201755

18957943

250159698

81167986

6839775

88007761

126493210

37115151

163608361

108036843

118639242

226676085

40330083

9718740

50048823

22149070

33850157

55999227

252223178

61748358

313971536

12974941

25495847

38470788

1837351192

509066707

2346417899

408090

1261341

1669431

1044086

915223

1959309

184681

280873

1746159

2027032

57846

1945545

2003391

2034514

98824

2133338

845111

1401346

2364123

3765469

97199

5226755

9458206

14684961

5860773

1293922

7154695

1661904

306724

1968628

10000

531079

1319081

1850160

243846

2801863

3045709

284179

199234

483413

875493

1463548

82539

1546087

29071

115164

144235

10074400

7004020

17078420

293682007

137978800

431660807

589763511

194092985

783856496

172189046

13134019

185323065

71908761

21514420

93423181

103270617

45431446

148702063

108371748

134959907

243331655

40268376

16524667

56793043

20749184

41196500

61945684

237713832

89049308

326763140

16273489

34674679

50948168

1654190571

728556731

2382747302

420347

1303849

1724196

1077635

557687

1635322

201447

289618

1709025

1998643

62136

1522737

1584873

2093081

102030

2195111

174729

174429

349158

30848

4117546

5602052

9719598

5163921

1610057

6773978

1688661

1232330

2920991

45000

523815

1342869

1866684

262194

3738945

4001139

277704

201737

479441

742623

1878101

2207987

4086088

15658

213584

229242

9810054

11335132

21145186

2473922052

2409227698

1848614153

625307899

1664199967

745027731

23203560

11860147

22534000

22669000

11564000

11860000

<div style="display: inline; font-family: times new roman; font-size: 10pt"><table cellpadding="0" cellspacing="0" style="; font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; min-width: 700px;"> <tr style="vertical-align: top"> <td style="width: 0"></td> <td style="width: 0.5in"><div style="display: inline; font-weight: bold;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4.</div></div></td> <td><div style="display: inline; font-weight: bold;">LOANS</div></td> </tr> </table> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">Major classifications of loans held for investment are as follows:</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="11" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">September 30, 2019</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="11" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">December 31, 2018</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Legacy (1)</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Acquired</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Total</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Legacy (1)</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Acquired</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Total</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Commercial Real Estate</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 28%; font-size: 10pt; text-align: left; padding-left: 10pt">Owner Occupied</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 9%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">309,452,786</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 9%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">124,699,211</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 9%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">434,151,997</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 9%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">299,266,275</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 9%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">140,892,706</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 9%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">440,158,981</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">662,296,193</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">175,779,493</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">838,075,686</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">592,529,807</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">195,883,002</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">788,412,809</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Hospitality</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">231,201,755</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,957,943</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">250,159,698</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">172,189,046</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13,134,019</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">185,323,065</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Land and A&D</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">81,167,986</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,034,455</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">88,202,441</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">71,908,761</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,760,867</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">93,669,628</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Residential Real Estate</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">First Lien-Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">127,305,162</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">40,180,391</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">167,485,553</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">104,084,050</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">48,483,340</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">152,567,390</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">First Lien-Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">108,338,535</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">123,386,650</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">231,725,185</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">108,696,078</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">140,221,589</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">248,917,667</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Residential Land and A&D</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">42,648,776</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,016,798</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52,665,574</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">42,639,161</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">16,828,434</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">59,467,595</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">HELOC and Jr. Liens</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">22,149,070</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">35,570,762</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">57,719,832</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">20,749,184</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">41,939,123</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">62,688,307</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Commercial and Industrial</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">255,088,072</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">64,195,020</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">319,283,092</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">239,766,662</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">91,431,724</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">331,198,386</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13,004,012</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,708,210</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38,712,222</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">16,289,147</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">34,919,111</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">51,208,258</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Total loans</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,852,652,347</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">625,528,933</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,478,181,280</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,668,118,171</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">745,493,915</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,413,612,086</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Allowance for loan losses</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(7,780,318</div></td> <td style="font-size: 10pt; text-align: left">)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(221,034</div></td> <td style="font-size: 10pt; text-align: left">)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(8,001,352</div></td> <td style="font-size: 10pt; text-align: left">)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(7,004,839</div></td> <td style="font-size: 10pt; text-align: left">)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(466,184</div></td> <td style="font-size: 10pt; text-align: left">)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(7,471,023</div></td> <td style="font-size: 10pt; text-align: left">)</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Deferred loan costs, net</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,742,124</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,742,124</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,086,635</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,086,635</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt">Net loans</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,848,614,153</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">625,307,899</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,473,922,052</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,664,199,967</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">745,027,731</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,409,227,698</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div style=" font-size: 10pt; text-indent: 28.1pt; margin: 0pt 0"></div> <div style=" margin-top: 0; margin-bottom: 0">__________________</div> <table cellpadding="0" cellspacing="0" style="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; min-width: 700px;"> <tr style="vertical-align: top"> <td style="width: 0"></td> <td style="width: 0.25in"><div style="display: inline; font-size: 8pt">(<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div>)</div></td> <td style="text-align: justify"><div style="display: inline; font-size: 8pt">As a result of the acquisitions of Maryland Bankcorp, Inc. (“Maryland Bankcorp”), the parent company of Maryland Bank & Trust Company, N.A. (“MB&T”), in <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> April </div><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2011,</div> WSB Holdings Inc., the parent company of The Washington Savings Bank (“WSB”), in <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> May </div><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2013,</div> Regal Bancorp, Inc. (“Regal”), the parent company of Regal Bank & Trust (“Regal Bank”), in <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 2015, </div>DCB Bancshares, Inc. (“DCB”), the parent company of Damascus Community Bank (“Damascus”), in <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> July 2017, </div>and BYBK, the parent company of Bay Bank, in <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> April 2018, </div>we have segmented the portfolio into <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">two</div> components, “Legacy” loans originated by Old Line Bank and “Acquired” loans acquired from MB&T, WSB, Regal Bank, Damascus and Bay Bank.</div></td> </tr> </table> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-style: italic;">Credit Policies and Administration</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-style: italic;"> </div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">We have adopted a comprehensive lending policy, which includes stringent underwriting standards for all types of loans. We have designed our underwriting standards to promote a complete banking relationship rather than a transactional relationship. Our lending staff follows pricing guidelines established periodically by our management team. In an effort to manage risk, prior to funding the loan committee, consisting of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">four</div> non-employee members of the board of directors and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">four</div> executive officers, must approve by majority vote all credit decisions in excess of a lending officer’s lending authority. Management believes that we employ experienced lending officers, secure appropriate collateral and carefully monitor the financial condition of our borrowers and the concentrations of loans in the portfolio.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">In addition to the internal business processes employed in the credit administration area, Old Line Bank retains an outside independent firm to review the loan portfolio. This firm performs a detailed annual review and an interim update. We use the results of the firm’s report to validate our internal ratings and we review the commentary on specific loans and on our loan administration activities in order to improve our operations.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-style: italic;">Commercial Real Estate Loans</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-style: italic;"> </div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">We finance commercial real estate for our clients, for owner occupied and investment properties, hospitality and land acquisition and development. Commercial real estate loans totaled <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$1.61</div> billion and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$1.51</div> billion, respectively, at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> September 30, 2019 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2018. </div>This lending has involved loans secured by owner-occupied commercial buildings for office, storage and warehouse space, as well as non-owner occupied commercial buildings. Our underwriting criteria for commercial real estate loans include maximum loan-to-value ratios, debt coverage ratios, secondary sources of repayments, guarantor requirements, net worth requirements and quality of cash flows. Loans secured by commercial real estate <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>be large in size and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>involve a greater degree of risk than <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">one</div>-to-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">four</div> family residential mortgage loans. Payments on such loans are often dependent on successful operation or management of the properties. We will generally finance owner occupied commercial real estate that does <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> exceed loan to value of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">80%</div> and investor real estate at a maximum loan to value of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">75%.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div>  <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">Commercial real estate lending entails significant risks. Risks inherent in managing our commercial real estate portfolio relate to sudden or gradual drops in property values as well as changes in the economic climate that <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>detrimentally impact the borrower’s ability to repay. We monitor the financial condition and operating performance of the borrower through a review of annual tax returns and updated financial statements. In addition, we meet with the borrower and/or perform site visits as required.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">At <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> September 30, 2019, </div>we had approximately <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$250.2</div> million of commercial real estate loans outstanding to the hospitality industry. An individual review of these loans indicates that they generally have a low loan to value, more than acceptable existing or projected cash flow, are to experienced operators and are generally dispersed throughout the region.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-style: italic;">Residential Real Estate Loans</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-style: italic;"> </div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">We offer a variety of consumer oriented residential real estate loans including home equity lines of credit, home improvement loans and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">first</div> or <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">second</div> mortgages on owner occupied and investment properties. Our residential loan portfolio amounted to <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$509.6</div> million and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$523.6</div> million, respectively, at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> September 30, 2019 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2018. </div>Although most of these loans are in our market area, the diversity of the individual loans in the portfolio reduces our potential risk. Usually, we secure our residential real estate loans with a security interest in the borrower’s primary or secondary residence with a loan to value <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> exceeding <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">85%.</div> Our initial underwriting includes an analysis of the borrower’s debt/income ratio, which generally <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> exceed <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">43%,</div> collateral value, length of employment and prior credit history. A credit score of at least <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">640</div> is required, except for loans originated for sale in the secondary market, as discussed below. We do <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> originate any subprime residential real estate loans.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">This segment of our portfolio also consists of funds advanced for construction of custom single family residences homes (where the home buyer is the borrower) and financing to builders for the construction of pre-sold homes and multi-family housing. These loans generally have short durations, meaning maturities typically of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">twelve</div> months or less. Old Line Bank limits its construction lending risk through adherence to established underwriting procedures. These loans generally have short durations, meaning maturities typically of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">twelve</div> months or less. Residential houses, multi-family dwellings and commercial buildings under construction and the underlying land for which the loan was obtained secure the construction loans. The vast majority of these loans are concentrated in our market area.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">Construction lending also entails significant risk. These risks generally involve larger loan balances concentrated with single borrowers with funds advanced upon the security of the land or the project under construction. An appraisal of the property estimates the value of the project “as is and as if” completed. An appraisal of the property estimates the value of the project prior to completion of construction. Thus, initial funds are advanced based on the current value of the property with the remaining construction funds advanced under a budget sufficient to successfully complete the project within the “as completed” loan to value. To further mitigate the risks, we generally limit loan amounts to <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">80%</div> or less of appraised values and obtain <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">first</div> lien positions on the property.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">We generally only offer real estate construction financing only to experienced builders, commercial entities or individuals who have demonstrated the ability to obtain a permanent loan “take-out” (conversion to a permanent mortgage upon completion of the project). We also perform a complete analysis of the borrower and the project under construction. This analysis includes a review of the cost to construct, the borrower’s ability to obtain a permanent “take-out” the cash flow available to support the debt payments and construction costs in excess of loan proceeds, and the value of the collateral. During construction, we advance funds on these loans on a percentage of completion basis. We inspect each project as needed prior to advancing funds during the term of the construction loan. We <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>provide permanent financing on the same projects for which we have provided the construction financing.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">We also offer fixed rate home improvement loans. Our home equity and home improvement loan portfolio gives us a diverse client base. Although most of these loans are in our market area, the diversity of the individual loans in the portfolio reduces our potential risk. Usually, we secure our home equity loans and lines of credit with a security interest in the borrower’s primary or secondary residence.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div>  <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">Under our loan approval policy, all residential real estate loans approved must comply with federal regulations. Generally, we will make residential mortgage loans in amounts up to the limits established by Fannie Mae and Freddie Mac for secondary market resale purposes. Currently this amount for single-family residential loans varies from <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$484,350</div> up to a maximum of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$726,525</div> for certain high-cost designated areas. We also make residential mortgage loans up to limits established by the Federal Housing Administration, which currently is <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$726,525.</div> The Washington, D.C. and Baltimore areas are both considered high-cost designated areas. We will, however, make loans in excess of these amounts if we believe that we can sell the loans in the secondary market or that the loans should be held in our portfolio. For loans we originate for sale in the secondary market, we typically require a credit score of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">620</div> or higher, with some exceptions provided we receive an approval recommendation from FannieMae, FreddieMac or the Federal Housing Administration’s automated underwriting approval system.  Loans sold in the secondary market are sold to investors on a servicing released basis and recorded as loans as held for sale.  The premium is recorded in income on marketable loans in non-interest income, net of commissions paid to the loan officers.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-style: italic;">Commercial and Industrial Lending</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-style: italic;"> </div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">Our commercial and industrial lending consists of lines of credit, revolving credit facilities, accounts receivable financing, term loans, equipment loans, Small Business Administration loans, standby letters of credit and unsecured loans. We originate commercial loans for any business purpose including the financing of leasehold improvements and equipment, the carrying of accounts receivable, general working capital, and acquisition activities. We have a diverse client base and we do <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> have a concentration of these types of loans in any specific industry segment. We generally secure commercial business loans with accounts receivable, equipment, deeds of trust and other collateral such as marketable securities, cash value of life insurance and time deposits at Old Line Bank.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">Commercial business loans have a higher degree of risk than residential mortgage loans because the availability of funds for repayment generally depends on the success of the business. They <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>also involve high average balances, increased difficulty monitoring and a high risk of default. To help manage this risk, we typically limit these loans to proven businesses and we generally obtain appropriate collateral and personal guarantees from the borrower’s principal owners and monitor the financial condition of the business. For loans in excess of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$250,000,</div> monitoring generally includes a review of the borrower’s annual tax returns and updated financial statements.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-style: italic;">Consumer Installment Lending</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-style: italic;"> </div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">We offer various types of secured and unsecured consumer loans. We make consumer loans for personal, family or household purposes as a convenience to our customer base. Consumer loans, however, are <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> a focus of our lending activities. The underwriting standards for consumer loans include a determination of the applicant’s payment history on other debts and an assessment of his or her ability to meet existing obligations and payments on the proposed loan. As a general guideline, a consumer’s total debt service should <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> exceed <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">40%</div> of his or her gross income.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">Our consumer loan portfolio includes indirect loans, which consists primarily of auto and RV loans. These loans are financed through dealers and the dealers receive a percentage of the finance charge, which varies depending on the terms of each loan. We use the same underwriting standards in originating these indirect loans as we do for consumer loans generally.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">Consumer loans <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>present greater credit risk than residential mortgage loans because many consumer loans are unsecured or rapidly depreciating assets secure these loans. Repossessed collateral for a defaulted consumer loan <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> provide an adequate source of repayment of the outstanding loan balance because of the greater likelihood of damage, loss or depreciation. Consumer loan collections depend on the borrower’s continuing financial stability. If a borrower suffers personal financial difficulties, the consumer <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> repay the loan. Also, various federal and state laws, including bankruptcy and insolvency laws, <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> may </div>limit the amount we can recover on such loans.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-style: italic;"> </div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-style: italic;"></div></div>  <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-style: italic;"></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-style: italic;">Concentrations of Credit</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-style: italic;"> </div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">Most of our lending activity occurs within the state of Maryland within the suburban Washington, D.C. and Baltimore market areas in Baltimore City and Anne Arundel, Baltimore, Calvert, Carroll, Charles, Frederick, Harford, Howard, Montgomery, Prince George’s and St. Mary’s Counties. The majority of our loan portfolio consists of commercial real estate loans and residential real estate loans.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-style: italic;">Non-Accrual and Past Due Loans</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-style: italic;"> </div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">We consider loans past due if the borrower has <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> paid the required principal and interest payments when due under the original or modified terms of the promissory note and place a loan on non-accrual status when the payment of principal or interest has become <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">90</div> days past due. When we classify a loan as non-accrual, we <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> longer accrue interest on such loan and we reverse any interest previously accrued but <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> collected. We will generally restore a non-accrual loan to accrual status when the borrower brings delinquent principal and interest payments current and we expect to collect future monthly principal and interest payments. We recognize interest on non-accrual legacy loans only when received. We originally recorded purchased, credit-impaired loans at fair value upon acquisition, and an accretable yield is established and recognized as interest income on purchased loans to the extent subsequent cash flows support the estimated accretable yield. Purchased, credit-impaired loans that perform consistently with the accretable yield expectations are <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> reported as non-accrual or nonperforming. However, purchased, credit-impaired loans that do <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> continue to perform according to accretable yield expectations are considered impaired, and presented as non-accrual and nonperforming. Currently, management expects to fully collect the carrying value of acquired, credit-impaired loans.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div><div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">The table below presents an age analysis of the loans held for investment portfolio at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> September 30, 2019 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December </div><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">31,</div> <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2018.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: center; margin: 0pt 0"><div style="display: inline; font-weight: bold;">Age Analysis of Past Due Loans</div></div> <div style=" font-size: 10pt; text-align: center; margin: 0pt 0"> </div> <div style=" font-size: 10pt; text-align: center; margin: 0pt 0"></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="23" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Age Analysis of Past Due Loans</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="11" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">September 30, 2019</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="11" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">December 31, 2018</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Legacy</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Acquired</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Total</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Legacy</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Acquired</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Total</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 28%; font-size: 10pt; text-align: left">Current</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 9%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,841,048,778</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 9%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">614,066,133</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 9%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,455,114,911</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 9%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,659,191,112</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 9%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">729,738,007</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 9%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,388,929,119</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Accruing past due loans:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">30 - 89 days past due</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Commercial Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,692,891</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,692,891</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,990,558</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,990,558</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,716,554</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,099,400</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,815,954</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,729,404</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,849,944</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5,579,348</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Residential Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">First Lien-Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">479,052</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">479,052</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">179,701</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">896,227</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,075,928</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">First Lien-Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">90,884</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,684,528</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,775,412</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">94,178</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,062,084</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,156,262</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">Land and A&D</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">622,365</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">622,365</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">883,460</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">413,191</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,296,651</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">HELOC and Jr. Liens</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">100,227</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">512,939</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">613,166</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">119,924</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">790,989</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">910,913</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Commercial and Industrial</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,615,507</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,253,843</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,869,350</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">670,318</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,444,347</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,114,665</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">136,811</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">602,432</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">739,243</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">320,071</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,338,813</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,658,884</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Total 30 - 89 days past due</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,975,239</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,632,194</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">14,607,433</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,987,614</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,795,595</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">19,783,209</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">90 or more days past due</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Commercial Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">139,247</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">139,247</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Residential Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">First-Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">83,391</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">83,391</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">First Lien-Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">771,798</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">771,798</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">103,365</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">103,365</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Commercial and Industrial</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">58,665</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">58,665</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15,419</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15,419</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">54</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">54</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Total 90 or more days past due</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">74,084</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">855,189</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">929,273</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">242,666</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">242,666</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Total accruing past due loans</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,049,323</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8,487,383</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15,536,706</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,987,614</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">12,038,261</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">20,025,875</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Recorded Investment Non-accruing loans:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Commercial Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,691,810</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">249,087</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,940,897</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">182,261</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">182,261</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">576,671</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52,646</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">629,317</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">51,070</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">51,070</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Land and A&D</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,000</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,000</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">45,000</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">45,000</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Residential Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">First Lien-Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">392,490</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">130,973</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">523,463</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">192,501</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">292,758</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">485,259</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">First Lien-Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">243,846</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,446,632</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,690,478</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">262,194</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,027,974</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,290,168</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Land and A&D</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">284,129</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">199,234</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">483,363</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">277,704</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">201,737</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">479,441</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">HELOC and Jr. Liens</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">788,585</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">788,585</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">690,732</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">690,732</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Commercial and Industrial</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">336,179</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,435</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">346,614</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">191,388</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">45,269</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">236,657</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">29,071</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">87,825</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">116,896</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15,658</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">180,846</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">196,504</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Non-accruing past due loans:</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,554,196</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,975,417</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,529,613</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">939,445</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,717,647</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,657,092</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt">Total Loans</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,852,652,297</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">625,528,933</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,478,181,230</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,668,118,171</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">745,493,915</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,413,612,086</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: center; margin: 0pt 0"></div> <div style=" font-size: 10pt; text-align: center; margin: 0pt 0"></div> <div style=" font-size: 10pt; margin: 0pt 0"> </div> <div style=" font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 0">We consider all nonperforming loans and troubled debt restructurings (“TDRs”) to be impaired. We do <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> recognize interest income on nonperforming loans during the time period that the loans are nonperforming. We only recognize interest income on nonperforming loans when we receive payment in full for all amounts due of all contractually required principle and interest, and the loan is current with its contractual terms. The tables below present our impaired loans at and for the periods ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> September 30, 2019 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December </div><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">31,</div> <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2018.</div></div> <div style=" font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 0"></div>  <div style=" font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 0"> </div> <div style=" font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 0"></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; padding-left: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="11" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt">Impaired Loans</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; padding-left: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="7" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-size: 10pt">Three months</div></div> <div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-size: 10pt">September 30, 2019</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="7" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-size: 10pt">Nine months</div></div> <div style=" margin-top: 0; margin-bottom: 0"><div style="display: inline; font-size: 10pt">September 30, 2019</div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left; padding-left: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Unpaid</div></div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Average</div></div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Interest</div></div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Average</div></div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Interest</div></div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left; padding-left: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Principal</div></div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Recorded</div></div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Related</div></div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Recorded</div></div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Income</div></div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Recorded</div></div></div></td> <td style="font-size: 10pt; font-weight: bold"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Income</div></div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left; padding-left: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Balance</div></div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Investment</div></div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Allowance</div></div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Investment</div></div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Recognized</div></div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Investment</div></div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Recognized</div></div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-align: left; padding-left: 0pt"><div style="display: inline; font-size: 10pt">Legacy</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 0pt"><div style="display: inline; font-size: 10pt">With no related allowance recorded:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Commercial Real Estate:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 30%; font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">Owner Occupied</div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,388,978</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,388,978</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,408,758</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">26,298</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,390,510</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="width: 1%; font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt">$</div></td> <td style="width: 7%; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">113,063</div></div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">Investment</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,661,904</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,665,461</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,348</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,672,558</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">37,937</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">Land and A&D</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Residential Real Estate:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">First Lien-Investment</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">177,569</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">177,569</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">177,569</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">178,361</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,344</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">First Lien-Owner Occupied</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">554,426</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">554,426</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">585,780</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,763</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">594,879</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">17,992</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Commercial and Industrial</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">388,132</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">388,132</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">396,657</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,817</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">404,026</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,573</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Consumer</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,371</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,371</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">19,857</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">473</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">20,986</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,346</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 0pt"><div style="display: inline; font-size: 10pt">With an allowance recorded:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Commercial Real Estate:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Residential Real Estate:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">First Lien-Investment</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">214,921</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">214,921</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">36,621</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">213,397</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">199,543</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">First Lien-Owner Occupied</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">141,717</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">141,717</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">137,449</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">136,898</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">Land and A&D</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">284,179</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">284,179</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">35,000</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">284,179</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">283,663</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Commercial and Industrial</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">261,831</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">261,831</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">92,424</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">262,469</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">263,095</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">402</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Consumer</div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,700</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,700</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,328</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,730</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">157</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">12,200</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">927</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 0pt"><div style="display: inline; font-size: 10pt">Total legacy impaired</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8,102,728</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,440,824</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">165,373</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8,163,306</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">41,856</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8,156,719</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">186,584</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-align: left; padding-left: 0pt"><div style="display: inline; font-size: 10pt">Acquired(1)</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 0pt"><div style="display: inline; font-size: 10pt">With no related allowance recorded:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Commercial Real Estate:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">Owner Occupied</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">268,416</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">268,416</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">268,197</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">267,605</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">Investment</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">72,408</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">72,408</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">163,876</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">163,876</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">Land and A&D</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Residential Real Estate:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">First Lien-Owner Occupied</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,578,372</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,566,765</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,696,380</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,155</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,706,748</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">95,104</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">First Lien-Investment</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">Land and A&D</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52,325</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52,325</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">59,432</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">950</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">60,299</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,168</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">HELOC and Jr. Lien</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">575,505</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">575,505</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">641,739</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,821</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">651,554</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">20,181</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Commercial</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Consumer</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">93,903</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">93,903</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">107,108</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,489</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">119,554</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,692</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 0pt"><div style="display: inline; font-size: 10pt">With an allowance recorded:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Commercial Real Estate:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">Investment</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">Land and A&D</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">293,376</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,000</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,000</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">293,376</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">316,506</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Residential Real Estate:</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">Land and A&D</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">157,628</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">157,628</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">86,434</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">162,348</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">161,556</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">First Lien-Investment</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">131,636</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">131,636</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">35,160</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">139,152</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,397</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">135,530</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,905</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">First Lien-Owner Occupied</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">67,633</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">67,633</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">26,865</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">68,922</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">719</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">69,375</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,532</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt"><div style="display: inline; font-size: 10pt">HELOC and Jr. Lien</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">226,635</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">226,635</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">56,048</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">253,151</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">255,925</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,674</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Commercial and Industrial</div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">84,995</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">84,995</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,435</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">84,898</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">85,797</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,341</div></div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt"><div style="display: inline; font-size: 10pt">Consumer</div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">17,753</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">17,753</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,092</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">26,486</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">27,308</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">654</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt"><div style="display: inline; font-size: 10pt">Total acquired impaired</div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,620,585</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,325,602</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">221,034</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,965,065</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">36,531</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,021,633</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 1pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">143,251</div></div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt; padding-left: 0pt"><div style="display: inline; font-size: 10pt">Total impaired</div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt">$</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,723,313</div></div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt">$</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">9,766,426</div></div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt">$</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">386,407</div></div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt">$</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">12,128,371</div></div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt">$</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">78,387</div></div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">12,178,352</div></div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"><div style="display: inline; font-size: 10pt"> </div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt">$</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">329,835</div></div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-size: 10pt"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; text-indent: 0.5in; margin: 0pt 0"></div> <div style=" font-size: 10pt; text-align: left; margin-top: 0pt; margin-bottom: 0pt">__________________</div> <table cellpadding="0" cellspacing="0" style="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; min-width: 700px;"> <tr style="vertical-align: top"> <td style="width: 0.25in"></td> <td style="width: 0.25in"><div style="display: inline; font-size: 8pt">(<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div>)</div></td> <td style="text-align: justify"><div style="display: inline; font-size: 8pt">U.S. GAAP requires that we record acquired loans at fair value at acquisition, which includes a discount for loans with credit impairment. These purchased credit impaired loans are <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> performing according to their contractual terms and meet the definition of an impaired loan. Although we do <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> accrue interest income at the contractual rate on these loans, we do recognize an accretable yield as interest income to the extent such yield is supported by cash flow analysis of the underlying loans.</div></td> </tr> </table> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-weight: bold;"></div></div>  <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-weight: bold;"> </div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-weight: bold;"></div></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td colspan="21" style="font-size: 10pt; font-weight: bold; text-align: center">Impaired Loans</td> </tr> <tr style="vertical-align: bottom"> <td colspan="21" style="font-size: 10pt; font-weight: bold; text-align: center">December 31, 2018</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Unpaid</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Average</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Interest</div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Principal</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Recorded</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Related</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Recorded</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Income</div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Balance</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Investment</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Allowance</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Investment</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Recognized</div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-align: left">Legacy</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">With no related allowance recorded:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Commercial Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 35%; font-size: 10pt; text-align: left; padding-left: 30pt">Owner Occupied</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,737,394</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,737,394</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,766,117</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">74,203</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,688,661</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,688,661</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,716,183</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">88,410</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Residential Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">First Lien-Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">262,194</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">262,194</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">285,514</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,412</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">Land and A&D</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">277,704</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">277,704</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">277,704</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Commercial and Industrial</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">486,048</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">486,048</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">509,971</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,595</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Consumer</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,495</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,495</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,707</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,130</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">With an allowance recorded:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Residential Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">First Lien-Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">First Lien-Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">192,501</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">192,501</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">39,420</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">192,501</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Commercial and Industrial</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">148,349</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">148,349</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13,149</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">152,898</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,926</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">14,163</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">14,163</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,416</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">27,217</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,129</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Total legacy impaired</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,808,509</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,808,509</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">53,985</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,938,812</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">198,805</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; font-weight: bold; text-align: left">Acquired(1)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">With no related allowance recorded:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Commercial Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">283,083</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">232,635</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">542,654</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,281</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Residential Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">First Lien-Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,127,854</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,011,286</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,159,327</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38,636</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">Land and A&D</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">58,659</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">58,659</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">62,178</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,896</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Consumer</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">22,139</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">22,139</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">26,027</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">364</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">With an allowance recorded:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Commercial Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">72,408</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">72,408</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">14,340</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">163,876</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,750</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">First Lien-Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">459,033</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">459,033</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">98,008</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">482,422</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,695</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">First Lien-Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">298,187</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">298,187</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">62,701</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">310,862</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,871</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">Land and A&D</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">154,297</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">154,297</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">99,517</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">159,819</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 30pt">HELOC and Jr. Lien</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">533,565</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">533,565</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">78,814</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">534,204</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">12,254</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 20pt">Commercial and Industrial</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">48,750</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">48,750</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">48,750</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">48,750</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">237</div></td> <td style="font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 20pt">Consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">188,102</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">188,102</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">19,053</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">231,978</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,619</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Total acquired impaired</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,810,584</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,359,717</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">466,183</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5,289,532</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">96,107</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt">Total impaired</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">9,619,093</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">9,168,226</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">520,168</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,228,344</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">294,912</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div style=" font-size: 10pt; margin: 0pt 0">__________________</div> <table cellpadding="0" cellspacing="0" style="font-size: 10pt; margin-top: 0pt; margin-bottom: 0pt; min-width: 700px;"> <tr style="vertical-align: top"> <td style="width: 0.25in"></td> <td style="width: 0.25in"><div style="display: inline; font-size: 8pt">(<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1</div>)</div></td> <td style="text-align: justify"><div style="display: inline; font-size: 8pt">U.S. GAAP requires that we record acquired loans at fair value at acquisition, which includes a discount for loans with credit impairment. These purchased credit impaired loans are <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> performing according to their contractual terms and meet the definition of an impaired loan. Although we do <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> accrue interest income at the contractual rate on these loans, we do recognize an accretable yield as interest income to the extent such yield is supported by cash flow analysis of the underlying loans.</div></td> </tr> </table> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">We consider a loan a TDR when we conclude that both of the following conditions exist: the restructuring constitutes a concession and the debtor is experiencing financial difficulties. Restructured loans at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> September 30, 2019 </div>consisted of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">seven</div> loans for an aggregate of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$2.2</div> million compared to <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">seven</div> loans for an aggregate of <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">$2.4</div> million at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 31, 2018.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">We had <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"></div><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> </div>loan modifications reported as TDRs during the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> or <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">nine</div> months ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> September 30, 2019. </div>We had <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">one</div> loan modification reported as a TDR during the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">nine</div> months ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> September 30, 2018. </div>We had <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"></div><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"></div><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"></div><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> </div></div></div>loans that were modified as a TDR that defaulted during the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> or <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">nine</div>-month periods ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> September 30, 2019 </div>or <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2018.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">The following table includes the recorded investment in and number of modifications of TDRs for the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">nine</div> months ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> September 30, 2019 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2018.</div> We report the recorded investment in loans prior to a modification and also the recorded investment in the loans after the loans were restructured. Reductions in the recorded investment are primarily due to the partial charge-off of the principal balance prior to the modification. We had <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> loans that were modified as a TDR that defaulted within <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> months of the modification date during the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div>- or <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">nine</div>-month periods ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> September 30, 2019 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2018.</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div>  <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div style=" font-size: 10pt; margin: 0pt 0 0pt 0.5in; color: Red"></div> <div style=" font-size: 10pt; margin: 0pt 0"></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="23" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Loans Modified as a TDR for the three months ended</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="11" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">September 30, 2019</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="11" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">September 30, 2018</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Pre-</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Post</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Pre-</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Post</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Modification</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Modification</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Modification</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Modification</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Outstanding</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Outstanding</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Outstanding</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Outstanding</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left">Troubled Debt Restructurings—</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">#of</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Recorded</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Recorded</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">#of</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Recorded</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Recorded</div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left; border-bottom: Black 1pt solid">(Dollars in thousands)</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Contracts</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Investment</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Investment</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Contracts</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Investment</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Investment</div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-align: left">Legacy</td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt; width: 28%">Residential Real Estate Owner Occupied</td> <td style="font-size: 10pt; padding-bottom: 1pt; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right; width: 9%"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left; padding-bottom: 1pt; width: 1%"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right; width: 9%"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left; width: 1%"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right; width: 9%"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left; width: 1%"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right; width: 9%"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left; width: 1%"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right; width: 9%"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left; width: 1%"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 1pt; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left; width: 1%"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right; width: 9%"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left; width: 1%"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt; padding-left: 20pt">Total legacy TDRs</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> </table> </div> <div style=" font-size: 10pt; margin: 0pt 0"> </div> <div style=" font-size: 10pt; margin: 0pt 0"></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="23" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Loans Modified as a TDR for the nine months ended</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="11" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">September 30, 2019</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="11" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">September 30, 2018</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Pre-</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Post</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Pre-</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Post</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Modification</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Modification</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Modification</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Modification</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Outstanding</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Outstanding</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Outstanding</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Outstanding</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left">Troubled Debt Restructurings—</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">#of</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Recorded</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Recorded</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">#of</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Recorded</div></div></td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Recorded</div></div></td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left; border-bottom: Black 1pt solid">(Dollars in thousands)</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Contracts</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Investment</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Investment</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Contracts</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Investment</div></div></td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">Investment</div></div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-align: left">Legacy</td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt"> </td> <td colspan="3" style="font-size: 10pt; text-align: right"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 28%; font-size: 10pt; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Consumer</td> <td style="width: 1%; font-size: 10pt; padding-bottom: 1pt"> </td> <td style="width: 1%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="width: 9%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left; padding-bottom: 1pt; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt; padding-bottom: 1pt"> </td> <td style="width: 1%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="width: 9%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt; padding-bottom: 1pt"> </td> <td style="width: 1%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="width: 9%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt; padding-bottom: 1pt"> </td> <td style="width: 1%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="width: 9%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt; padding-bottom: 1pt"> </td> <td style="width: 1%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="width: 9%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">28,009</div></td> <td style="width: 1%; font-size: 10pt; text-align: left; border-bottom: Black 1pt solid"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="width: 1%; font-size: 10pt; padding-bottom: 1pt"> </td> <td style="width: 1%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="width: 9%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">27,009</div></td> <td style="width: 1%; border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt; padding-left: 20pt">Total legacy TDRs</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">28,009</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">27,009</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> </div></td> </tr> </table> </div> <div style=" font-size: 10pt; margin: 0pt 0"></div> <div style=" font-size: 10pt; margin: 0pt 0"> </div> <div style=" font-size: 10pt; margin: 0pt 0"></div> <div style=" font-size: 10pt; margin: 0pt 0 0pt 0.5in"><div style="display: inline; text-decoration: underline;">Acquired impaired loans</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">The following table documents changes in the accretable (premium) discount on acquired impaired loans during the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">nine</div> months ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> September 30, 2019 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2018,</div> along with the outstanding balances and related carrying amounts for the beginning and end of those respective periods.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">September 30, 2019</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">September 30, 2018</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 66%; font-size: 10pt; text-align: left">Balance at beginning of period</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 14%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">124,090</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 14%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">115,066</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Additions due to BYBK acquisition</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,984</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Accretion of fair value discounts</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(1,375,970</div></td> <td style="font-size: 10pt; text-align: left">)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(873,308</div></td> <td style="font-size: 10pt; text-align: left">)</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Reclassification (to)/from non-accretable discount</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,334,580</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">847,153</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt">Balance at end of period</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">82,700</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">139,895</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Contractually</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Required Payments</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Receivable</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Carrying Amount</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 66%; font-size: 10pt">At September 30, 2019</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 14%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">9,125,242</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 14%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,976,188</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">At December 31, 2018</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,146,165</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">9,396,862</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt">At September 30, 2018</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">17,975,448</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">14,109,972</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt">At December 31, 2017</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8,277,731</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,617,774</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div style=" font-size: 10pt; text-indent: 4.5pt; margin: 0pt 0 0pt 31.5pt; color: Red"></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-indent: 9pt; margin: 0pt 0 0pt 27pt"><div style="display: inline; font-style: italic;">Credit Quality Indicators</div></div> <div style=" font-size: 10pt; text-indent: 9pt; margin: 0pt 0 0pt 27pt"><div style="display: inline; font-style: italic;"> </div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">We review the adequacy of the allowance for loan losses at least quarterly. We base the evaluation of the adequacy of the allowance for loan losses upon loan categories. We categorize loans as residential real estate loans, commercial real estate loans, commercial loans and consumer loans. We further divide commercial real estate loans by owner occupied, investment, hospitality and land acquisition and development. We also divide residential real estate by owner occupied, investment, land acquisition and development and junior liens. All categories are divided by risk rating and loss factors and weighed by risk rating to determine estimated loss amounts. We evaluate delinquent loans and loans for which management has knowledge about possible credit problems of the borrower or knowledge of problems with collateral separately and assign loss amounts based upon the evaluation.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">We determine loss ratios for all loans based upon a review of the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div> year loss ratio for the category and qualitative factors.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div>  <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">We charge off loans that management has identified as losses. We consider suggestions from our external loan review firm and bank examiners when determining which loans to charge off. We automatically charge off consumer loan accounts based on regulatory requirements. We partially charge off real estate loans that are collateral dependent based on the value of the collateral.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">If a loan that was previously rated a pass performing loan, from our acquisitions, deteriorates subsequent to the acquisition, the subject loan will be assessed for risk and, if necessary, evaluated for impairment. If the risk assessment rating is adversely changed and the loan is determined to <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> be impaired, the loan will be placed in a migration category and the credit mark established for the loan will be compared to the general reserve allocation that would be applied using the current allowance for loan losses formula for General Reserves. If the credit mark exceeds the allowance for loan losses formula for General Reserves, there will be <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> change to the allowance for loan losses. If the credit mark is less than the current allowance for loan losses formula for General Reserves, the allowance for loan losses will be increased by the amount of the shortfall by a provision recorded in the income statement. If the loan is deemed impaired, the loan will be subject to evaluation for loss exposure and a specific reserve. If the estimate of loss exposure exceeds the credit mark, the allowance for loan losses will be increased by the amount of the excess loss exposure through a provision. If the credit mark exceeds the estimate of loss exposure there will be <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">no</div> change to the allowance for loan losses. If a loan from the acquired loan portfolio is carrying a specific credit mark and a current evaluation determines that there has been an increase in loss exposure, the allowance for loan losses will be increased by the amount of the current loss exposure in excess of the credit mark.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div><div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">The following tables outline the class of loans by risk rating at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> September 30, 2019 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December </div><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">31,</div> <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2018:</div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="11" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Account Balance</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left; border-bottom: Black 1pt solid">September 30, 2019</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt; border-bottom: Black 1pt solid"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Legacy</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Acquired</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Total</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Risk Rating</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Pass(1 - 5)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Commercial Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 55%; font-size: 10pt; text-align: left; padding-left: 10pt">Owner Occupied</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">303,183,923</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">122,143,948</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">425,327,871</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">659,590,203</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">74,557,546</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">734,147,749</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Hospitality</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">231,201,755</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,957,943</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">250,159,698</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Land and A&D</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">81,167,986</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,839,775</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">88,007,761</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Residential Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">First Lien-Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">126,493,210</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">37,115,151</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">163,608,361</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">First Lien-Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">108,036,843</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">118,639,242</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">226,676,085</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Land and A&D</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">40,330,083</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">9,718,740</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,048,823</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">HELOC and Jr. Liens</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">22,149,070</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">33,850,157</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">55,999,227</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 0pt">Commercial</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">252,223,178</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">61,748,358</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">313,971,536</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">12,974,941</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,495,847</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38,470,788</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,837,351,192</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">509,066,707</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,346,417,899</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Special Mention(6)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Commercial Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">408,090</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,261,341</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,669,431</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,044,086</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">915,223</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,959,309</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Land and A&D</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">184,681</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">184,681</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 0pt">Residential Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">First Lien-Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">280,873</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,746,159</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,027,032</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">First Lien-Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">57,846</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,945,545</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,003,391</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Land and A&D</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,034,514</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">98,824</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,133,338</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">HELOC and Jr. Liens</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">845,111</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">845,111</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Commercial</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,401,346</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,364,123</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,765,469</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">97,199</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">97,199</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5,226,755</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">9,458,206</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">14,684,961</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Substandard(7)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Commercial Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5,860,773</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,293,922</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,154,695</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,661,904</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">306,724</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,968,628</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Land and A&D</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,000</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,000</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Residential Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">First Lien-Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">531,079</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,319,081</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,850,160</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">First Lien-Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">243,846</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,801,863</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,045,709</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Land and A&D</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">284,179</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">199,234</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">483,413</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">HELOC and Jr. Liens</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">875,493</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">875,493</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Commercial</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,463,548</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">82,539</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,546,087</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">29,071</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">115,164</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">144,235</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,074,400</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,004,020</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">17,078,420</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Doubtful(8)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Loss(9)</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; font-weight: bold; text-align: left; padding-bottom: 2.5pt">Total</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,852,652,347</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">525,528,933</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,378,181,280</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in; color: Red"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div>   <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in; color: Red"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in; color: Red"></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="11" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Account Balance</td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left; border-bottom: Black 1pt solid">December 31, 2018</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt; border-bottom: Black 1pt solid"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Legacy</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Acquired</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Total</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Risk Rating</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Pass(1 - 5)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Commercial Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="width: 55%; font-size: 10pt; text-align: left; padding-left: 10pt">Owner Occupied</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">293,682,007</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">137,978,800</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 12%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">431,660,807</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">589,763,511</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">194,092,985</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">783,856,496</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Hospitality</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">172,189,046</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13,134,019</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">185,323,065</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Land and A&D</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">71,908,761</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,514,420</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">93,423,181</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 0pt">Residential Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">First Lien-Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">103,270,617</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">45,431,446</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">148,702,063</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">First Lien-Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">108,371,748</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">134,959,907</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">243,331,655</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Land and A&D</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">40,268,376</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">16,524,667</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">56,793,043</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">HELOC and Jr. Liens</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">20,749,184</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">41,196,500</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">61,945,684</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Commercial</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">237,713,832</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">89,049,308</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">326,763,140</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">16,273,489</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">34,674,679</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">50,948,168</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,654,190,571</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">728,556,731</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,382,747,302</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Special Mention(6)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Commercial Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">420,347</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,303,849</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,724,196</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,077,635</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">557,687</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,635,322</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Land and A&D</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">201,447</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">201,447</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Residential Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">First Lien-Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">289,618</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,709,025</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,998,643</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">First Lien-Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">62,136</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,522,737</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,584,873</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Land and A&D</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,093,081</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">102,030</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,195,111</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Commercial</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">174,729</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">174,429</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">349,158</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">30,848</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">30,848</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,117,546</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5,602,052</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">9,719,598</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Substandard(7)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Commercial Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5,163,921</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,610,057</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,773,978</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,688,661</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,232,330</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,920,991</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Land and A&D</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">45,000</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">45,000</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Residential Real Estate:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">First Lien-Investment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">523,815</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,342,869</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,866,684</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">First Lien-Owner Occupied</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">262,194</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,738,945</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,001,139</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">Land and A&D</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">277,704</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">201,737</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">479,441</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt">HELOC and Jr. Liens</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">742,623</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">742,623</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Commercial</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,878,101</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,207,987</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,086,088</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Consumer</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15,658</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">213,584</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">229,242</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">9,810,054</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,335,132</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">21,145,186</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Doubtful(8)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Loss(9)</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; border-bottom: Black 1pt solid"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-align: left; padding-bottom: 2.5pt">Total</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,668,118,171</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">745,493,915</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; border-bottom: Black 2.5pt double"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,413,612,086</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in; color: Red"></div> <div style=" font-size: 10pt; margin: 0pt 0"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">The following table details activity in the allowance for loan losses by portfolio segment for the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">three</div>- and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">nine</div>-month periods ended <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> September 30, 2019 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2018.</div> Allocation of a portion of the allowance to <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">one</div> category of loans does <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> preclude its availability to absorb losses in other categories.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div> <table cellpadding="0" cellspacing="0" align="center" style="border-collapse: collapse; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Commercial</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Commercial</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Residential</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left; border-bottom: Black 1pt solid">Three Months Ended September 30, 2019</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">and Industrial</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Real Estate</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Real Estate</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Consumer</td> <td style="font-size: 10pt; font-weight: bold; border-bottom: Black 1pt solid"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Total</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 35%; font-size: 10pt; text-align: left">Beginning balance</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,665,674</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,882,255</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,283,903</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">57,903</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,889,735</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Provision for loan losses</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(54,913</div></td> <td style="font-size: 10pt; text-align: left">)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">279,425</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">91,970</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">139,518</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">456,000</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Recoveries</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">400</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">417</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,119</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">19,424</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">26,360</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Total</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,611,161</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5,162,097</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,381,992</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">216,845</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8,372,095</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Loans charged off</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(48,750</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—  </div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(165,498</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(156,495</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(370,743</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt">Ending Balance</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,562,411</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5,162,097</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,216,494</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">60,350</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8,001,352</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in; color: Red"></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in; color: Red"></div>   <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in; color: Red"> </div> <div style=" font-size: 10pt; margin: 0pt 0"></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in; color: Red"></div> <div> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Commercial</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Commercial</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Residential</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left; border-bottom: Black 1pt solid">Nine Months Ended September 30, 2019</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">and Industrial</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Real Estate</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Real Estate</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Consumer</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Total</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 35%; font-size: 10pt; text-align: left">Beginning balance</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,562,740</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,728,694</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,081,394</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">98,195</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,471,023</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Provision for loan losses</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">41,176</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">432,152</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">248,477</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">220,953</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">942,758</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Recoveries</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,353</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,251</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">53,149</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">58,320</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">124,073</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Total</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,615,269</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5,162,097</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,383,020</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">377,468</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8,537,854</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Loans charged off</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(52,858</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(166,526</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(317,118</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(536,502</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt">Ending Balance</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,562,411</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5,162,097</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,216,494</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">60,350</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8,001,352</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Amount allocated to:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Legacy Loans:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Individually evaluated for impairment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">92,424</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">71,621</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,328</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">165,373</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Other loans not individually evaluated</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,465,552</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5,152,097</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">939,200</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">58,096</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,614,945</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Acquired Loans:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Individually evaluated for impairment</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,435</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,000</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">205,673</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">926</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">221,034</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt">Ending balance</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,562,411</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5,162,097</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,216,494</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">60,350</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">8,001,352</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in; color: Red"></div> <div style=" font-size: 10pt; margin: 0pt 0"> </div> <div style=" font-size: 10pt; margin: 0pt 0"></div> <div> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Commercial</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Commercial</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Residential</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left; border-bottom: Black 1pt solid">Three Months Ended September 30, 2018</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">and Industrial</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Real Estate</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Real Estate</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Consumer</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Total</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 35%; font-size: 10pt; text-align: left">Beginning balance</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,680,448</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,196,752</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">749,630</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">77,747</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,704,577</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Provision for loan losses</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(141,751</div></td> <td style="font-size: 10pt; text-align: left">)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">303,547</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">34,609</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">111,465</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">307,870</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Recoveries</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">65,819</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">417</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,119</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5,127</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">74,482</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Total</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,604,516</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,500,716</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">787,358</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">194,339</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,086,929</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Loans charged off</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(106,879</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(106,879</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt">Ending Balance</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,604,516</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,500,716</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">787,358</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">87,460</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,980,050</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> </tr> </table> </div> <div style=" font-size: 10pt; margin: 0pt 0"> </div> <div style=" font-size: 10pt; margin: 0pt 0"></div> <div> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Commercial</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Commercial</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Residential</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left; border-bottom: Black 1pt solid">Nine Months Ended September 30, 2018</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">and Industrial</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Real Estate</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Real Estate</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Consumer</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Total</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="width: 35%; font-size: 10pt; text-align: left">Beginning balance</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,262,030</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,783,735</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">844,355</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">30,466</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 10%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5,920,586</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Provision for loan losses</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">273,017</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">716,147</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(70,403</div></td> <td style="font-size: 10pt; text-align: left">)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">316,262</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,235,023</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Recoveries</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">69,469</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">834</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">15,230</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,980</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">97,513</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Total</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,604,516</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,500,716</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">789,182</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">358,708</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,253,122</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Loans charged off</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(1,824</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(271,248</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">(273,072</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left">)</td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt">Ending Balance</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,604,516</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,500,716</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">787,358</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">87,460</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,980,050</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Amount allocated to:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Legacy Loans:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Individually evaluated for impairment</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">93,892</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">76,495</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left">$</td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">170,387</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left">Other loans not individually evaluated</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,441,108</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,500,716</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">525,749</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">60,852</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,528,425</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left">Acquired Loans:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 1pt">Individually evaluated for impairment</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">69,516</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">185,114</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">26,608</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">281,238</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt">Ending balance</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,604,516</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,500,716</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">787,358</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">87,460</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,980,050</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> </tr> </table> </div> <div style=" font-size: 10pt; margin: 0pt 0"></div> <div style=" font-size: 10pt; margin: 0pt 0"> </div> <div style=" font-size: 10pt; margin: 0pt 0"></div> <div style=" font-size: 10pt; margin: 0pt 0"> </div> <div style=" font-size: 10pt; margin: 0pt 0"></div>  <div style=" font-size: 10pt; margin: 0pt 0"></div> <div style=" font-size: 10pt; margin: 0pt 0"></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">Our recorded investment in loans at <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> September 30, 2019 </div>and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2018</div> related to each balance in the allowance for probable loan losses by portfolio segment and disaggregated on the basis of our impairment methodology was as follows:</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; text-indent: 4.5pt; margin: 0pt 0; color: Red"></div> <div> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Commercial</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Commercial</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Residential</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left; border-bottom: Black 1pt solid">September 30, 2019</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">and Industrial</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Real Estate</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Real Estate</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Consumer</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Total</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-align: left">Legacy loans:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt; width: 45%">Individually evaluated for impairment with specific reserve</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">261,831</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">640,817</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,700</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">913,348</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Individually evaluated for impairment without specific reserve</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">388,132</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">6,050,882</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">731,995</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">18,371</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,189,380</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Other loans not individually evaluated</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">254,438,109</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,278,067,839</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">299,068,731</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">12,974,940</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,844,549,619</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-align: left">Acquired loans:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Individually evaluated for impairment with specific reserve subsequent to acquisition (ASC 310-20 at acquisition)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">84,995</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">10,000</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">583,532</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">17,753</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">696,280</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Individually evaluated for impairment without specific reserve (ASC 310-20 at acquisition)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">340,824</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,194,595</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">93,903</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,629,322</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Individually evaluated for impairment without specific reserve (ASC 310-30 at acquisition)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">172,609</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,234,991</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,568,592</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,976,192</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Collectively evaluated for impairment without reserve (ASC 310-20 at acquisition)</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">63,937,416</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">322,885,287</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">201,807,881</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">25,596,555</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">614,227,139</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Ending balance</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">319,283,092</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,610,589,823</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">509,596,143</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38,712,222</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,478,181,280</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> </tr> </table> </div> <div style=" font-size: 10pt; text-align: justify; text-indent: 4.5pt; margin: 0pt 0; color: Red"> </div> <div style=" font-size: 10pt; text-align: justify; text-indent: 4.5pt; margin: 0pt 0; color: Red"></div> <div style=" font-size: 10pt; text-align: justify; text-indent: 4.5pt; margin: 0pt 0; color: Red"></div> <div style=" font-size: 10pt; margin: 0pt 0"></div> <div> <table cellpadding="0" cellspacing="0" style="border-collapse: collapse; font: 10pt Times New Roman, Times, Serif; margin-left: 0.5in; min-width: 700px;"> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Commercial</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Commercial</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center">Residential</td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> <td style="font-size: 10pt; font-weight: bold"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center"> </td> </tr> <tr style="vertical-align: bottom"> <td style="font-size: 10pt; font-weight: bold; text-align: left; border-bottom: Black 1pt solid">September 30, 2018</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">and Industrial</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Real Estate</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Real Estate</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Consumer</td> <td style="font-size: 10pt; font-weight: bold; padding-bottom: 1pt"> </td> <td colspan="3" style="font-size: 10pt; font-weight: bold; text-align: center; border-bottom: Black 1pt solid">Total</td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-align: left">Legacy loans:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt; width: 45%">Individually evaluated for impairment with specific reserve</td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">93,892</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">242,592</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> <td style="width: 1%; font-size: 10pt"> </td> <td style="width: 1%; font-size: 10pt; text-align: left">$</td> <td style="width: 8%; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">336,484</div></td> <td style="width: 1%; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Individually evaluated for impairment without specific reserve</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">509,772</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,453,579</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">494,423</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">—</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">4,457,774</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Other loans not individually evaluated</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">215,125,991</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,113,299,121</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">258,804,372</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">17,671,242</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,604,900,726</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; font-weight: bold; text-align: left">Acquired loans:</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"> </td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Individually evaluated for impairment with specific reserve subsequent to acquisition (ASC 310-20 at acquisition)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">68,888</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">45,000</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">407,735</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">27,009</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">548,632</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Individually evaluated for impairment without specific reserve (ASC 310-20 at acquisition)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">167,560</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">773,457</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,720,353</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">52,730</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">3,714,100</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Individually evaluated for impairment without specific reserve (ASC 310-30 at acquisition)</td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">559,248</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">7,872,328</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">5,664,394</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">14,000</div></td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt"> </td> <td style="font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">14,109,970</div></td> <td style="font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: rgb(204,238,255)"> <td style="font-size: 10pt; text-align: left; padding-left: 10pt; text-indent: -10pt">Collectively evaluated for impairment without reserve (ASC 310-20 at acquisition)</td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">96,617,110</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">379,553,784</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">245,912,416</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">38,603,984</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 1pt"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">760,687,294</div></td> <td style="border-bottom: Black 1pt solid; font-size: 10pt; text-align: left"> </td> </tr> <tr style="vertical-align: bottom; background-color: White"> <td style="font-size: 10pt; text-align: left; padding-bottom: 2.5pt">Ending balance</td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">312,642,461</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">1,504,997,269</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">514,246,285</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">56,368,965</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> <td style="font-size: 10pt; padding-bottom: 2.5pt"> </td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left">$</td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: right"><div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2,388,254,980</div></td> <td style="border-bottom: Black 2.5pt double; font-size: 10pt; text-align: left"> </td> </tr> </table> </div></div>

2473922000

2478723000

2409228000

2383673000

22534097

11564993

35000000

38569343

38371291

4300000

4000000

2500000

38569000

38371000

474000

786000

86052384

83370864

-104127752

-82425685

20576066

14186915

9184229

8264829

26600483

17055844

8504174

8912080

9184229

6065182

2725833

8264829

<div style="display: inline; font-family: times new roman; font-size: 10pt"><div style="display: inline; font-family: times new roman; font-size: 10pt"><div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-weight: bold;"><div style="display: inline; font-style: italic;">Recent Accounting Pronouncements</div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"><div style="display: inline; font-weight: bold;"><div style="display: inline; font-style: italic;"> </div></div></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">In <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> June 2016, </div>the Financial Accounting Standards Board (“FASB”) issued ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2016</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div><div style="display: inline; font-style: italic;">, Financial Instruments – Credit Losses (Topic <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">326</div>): Measurement of Credit Losses on Financial Instruments</div>, which sets forth a “current expected credit loss” (“CECL”) model requiring Old Line Bancshares to measure all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions and reasonable supportable forecasts. This replaces the existing incurred loss model and is applicable to the measurement of credit losses on financial assets measured at amortized cost and applies to some off-balance sheet credit exposures. For public business entities that are U.S. Securities and Exchange Commission filers, the amendments in this update are effective for fiscal years beginning after <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 15, 2019, </div>including interim periods within those fiscal years. Old Line Bancshares has constituted a committee that has the responsibility to gather loan information and consider acceptable methodologies to comply with this ASU. The committee meets periodically to discuss the latest developments and committee members keep themselves updated on such developments via webcasts, publications, and conferences. We have also evaluated and selected a <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">third</div> party vendor solution to assist us in the application of ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2016</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13.</div> The adoption of ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2016</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div> is likely to result in an increase in the allowance for loan losses as a result of changing from an “incurred loss” model, which encompasses allowances for current known and inherent losses within the portfolio, to an “expected loss” model, which encompasses allowances for losses expected to be incurred over the life of the portfolio. We are currently awaiting final comparison results on the parallel model compared to the CECL model.  Due to the expected merger with WesBanco, the CECL model will be transitioned into and with WesBanco’s model. Old Line Bancshares’ evaluation indicates that the provisions of ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2016</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">13</div> will impact its consolidated financial statements, in particular the level of the reserve for loan losses. We are, however, continuing to evaluate the extent of the potential impact.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"></div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">In <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> March 2017, </div>FASB issued ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2017</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">08,</div> <div style="display: inline; font-style: italic;">Premium Amortization on Purchased Callable Debt Securities</div>. This ASU shortens the amortization period for the premium on certain purchased callable debt securities to the earliest call date. Previously, entities generally amortized the premium over the contractual life of the security. The guidance does <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> change the accounting for purchased callable debt securities held at a discount; the discount continues to be amortized to maturity. ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2017</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">08</div> was effective for interim and annual reporting periods beginning after <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> December 15, 2018; </div>early adoption was permitted. The guidance calls for a modified retrospective transition approach under which a cumulative-effect adjustment will be made to retained earnings as of the beginning of the <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">first</div> reporting period in which the guidance is adopted. The adoption of this guidance did <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> have a material impact on Old Line Bancshares’ consolidated financial statements.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">In <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> July 2018, </div>FASB issued ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2018</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11,</div> <div style="display: inline; font-style: italic;">Leases (Topic <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">842</div>): Targeted Improvements.</div>  The amendments set forth therein provide entities with an additional (and optional) transition method to adopt the new leases standard set forth in ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2016</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">02.</div> Under such new transition method, an entity initially applies the new leases standard at the adoption date and recognizes a cumulative-effect adjustment to the opening balance of retained earnings in the period of adoption. Consequently, an entity’s reporting for the comparative periods presented in the financial statements in which it adopts the new leases standard will continue to be in accordance with U.S. GAAP (Topic <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">840,</div> <div style="display: inline; font-style: italic;">Leases</div>).  The amendments also provide lessors with a practical expedient, by class of underlying asset, to <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> separate non-lease components from the associated lease component and, instead, to account for those components as a single component if the non-lease components otherwise would be accounted for under the new revenue guidance (Topic <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">606</div>) and certain criteria are met. If the non-lease component or components associated with the lease component are the predominant component of the combined component, an entity is required to account for the combined component in accordance with Topic <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">606.</div> Otherwise, the entity must account for the combined component as an operating lease in accordance with Topic <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">842</div><div style="display: inline; color: red">.  </div>The amendments have the same effective date as ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2016</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">02</div> (<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> January 1, 2019 </div>for Old Line Bancshares). Old Line Bancshares elected the transition options. ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2018</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">11</div> did <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> have a material impact on our consolidated financial statements.</div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in"> </div> <div style=" font-size: 10pt; text-align: justify; margin: 0pt 0 0pt 0.5in">ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2019</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">01,</div> <div style="display: inline; font-style: italic;">Leases (Topic <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">842</div>)</div>, provides clarifications to increase transparency and comparability among organizations by recognizing lease assets and liabilities on the balance sheet and disclosing essential information about leasing transactions. Specifically, ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2019</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">01</div> (i) allows the fair value of the underlying asset reported by lessors that are <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> manufacturers or dealers to continue to be its cost and <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> fair value as measured under the fair value definition, (ii) allows for the cash flows received for sales-type and direct financing leases to continue to be presented as results from investing, and (iii) clarifies that entities do <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> have to disclose the effect of the lease standard on adoption year interim amounts. ASU <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">2019</div>-<div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">01</div> will be effective for us on <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;"> January 1, 2020 </div>and will <div style="display: inline; font-style: italic; font-weight: inherit; font-style: normal;">not</div> have a material impact on our consolidated financial statements.</div></div></div>

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Note 5 - Other Real Estate Owned

9 Months Ended

Sep. 30, 2019

Notes to Financial Statements

Real Estate Owned [Text Block]

OTHER REAL ESTATE OWNED

The fair value of other real estate owned was

$1.1

million at

September 30, 2019

and

December

31,

2018.

As a result of the acquisitions of Maryland Bankcorp, WSB Holdings, Regal and BYBK, we have segmented other real estate owned (“OREO”) into

two

components, real estate obtained as a result of loans originated by Old Line Bank (legacy) and other real estate acquired from MB&T, WSB, Regal Bank and Bay Bank or obtained as a result of loans originated by MB&T, WSB, Regal Bank and Bay Bank (acquired); we did

not

acquire any OREO properties in the DCB acquisition. We are currently aggressively either marketing these properties for sale or improving them in preparation for sale.

The following outlines the transactions in OREO during the period.

Nine Months ended September 30, 2019	Legacy		Acquired		Total
Beginning balance	$	—	$	882,510	$	882,510
Real estate acquired through foreclosure of loans		—		209,124		209,124
Sales/deposits on sales		—		—		—
Net realized gain/(loss)		—		—		—
Total end of period	$	—	$	1,091,634	$	1,091,634

Residential Foreclosures and Repossessed Assets

— Once all potential alternatives for reinstatement are exhausted, past due loans collateralized by residential real estate are referred for foreclosure proceedings in accordance with local requirements of the applicable jurisdiction. Once possession of the property collateralizing the loan is obtained, the repossessed property will be recorded within other assets either as OREO or, where management has both the intent and ability to recover its losses through a government guarantee, as a foreclosure claim receivable. At

September 30, 2019

and

December 31, 2018,

residential foreclosures classified as OREO totaled

$544

thousand. We had

six

loans for an aggregate of

$474

thousand secured by residential real estate in process of foreclosure at

September 30, 2019

compared to

five

loans for

$786

thousand at

December 31, 2018.

XML 12 R10.htm IDEA: XBRL DOCUMENT

Note 1 - Summary of Significant Accounting Policies

9 Months Ended

Sep. 30, 2019

Notes to Financial Statements

Organization, Consolidation and Presentation of Financial Statements Disclosure and Significant Accounting Policies [Text Block]

1.	SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

Organization and Description of Business

Old Line Bancshares, Inc. (“Old Line Bancshares”) was incorporated under the laws of the State of Maryland on

April

11,

2003

to serve as the holding company of Old Line Bank. The primary business of Old Line Bancshares is to own all of the capital stock of Old Line Bank. We provide a full range of banking services to customers located in Anne Arundel, Baltimore, Baltimore City, Calvert, Carroll, Charles, Frederick, Harford, Howard, Montgomery, Prince George’s, and St. Mary’s Counties in Maryland and surrounding areas.

As previously announced, on

July 23, 2019,

Old Line Bancshares and Old Line Bank entered into an Agreement and Plan of Merger with Wesbanco, Inc. ("WesBanco") and Wesbanco Bank, Inc., pursuant to which Old Line Bancshares will merge with and into Wesbanco (the “Merger”) and Old Line Bank will merge into Wesbanco Bank. We expect that the Merger will be consummated during the

fourth

quarter of

2019.

Please see Note

to our consolidated financial statements, “Pending Acquisition,” for more information.

Basis of Presentation and Consolidation

- The accompanying condensed consolidated financial statements include the activity of Old Line Bancshares and its wholly owned subsidiary, Old Line Bank. We have eliminated all significant intercompany transactions and balances.

The foregoing consolidated financial statements for the periods ended

September 30, 2019

and

2018

are unaudited and have been prepared in accordance with U.S. generally accepted accounting principles (“U.S. GAAP”), however, in the opinion of management we have included all adjustments necessary for a fair presentation of the results of the interim period. We derived the balances as of

December

31,

2018

from audited financial statements. These statements should be read in conjunction with Old Line Bancshares’ financial statements and accompanying notes included in Old Line Bancshares’ Form

-K for the year ended

December

31,

2018.

We have made

significant changes to Old Line Bancshares’ accounting policies as disclosed in the Form

-K, except as described in the Recent Accounting Pronouncements section below.

Accounting Changes -

Accounting Standards Update (“ASU”)

2016

02,

Leases

(

Topic

842

)

requires that lessees and lessors recognize lease assets and lease liabilities on the balance sheet and disclose key information about leasing arrangements. ASU

2016

was effective for us on

January 1, 2019.

ASU

2016

provides for a modified retrospective transition approach requiring lessees to recognize and measure leases on the balance sheet at the beginning of either the earliest period presented or as of the beginning of the period of adoption with the option to elect certain practical expedients. We elected to apply ASU

2016

at of the beginning of the period of adoption (

January 1, 2019)

and have

not

restated comparative periods.

Our operating leases relate primarily to office space and bank branches. As a result of implementing ASU

2016

02,

we recognized an operating lease right-of-use (“ROU”) asset of

$26.2

million and an operating lease liability of

$26.5

million on

January 1, 2019,

with

impact on our consolidated statements of income or consolidated statements of cash flows compared to the prior lease accounting model. The ROU asset and operating lease liability are recorded in other assets and other liabilities, respectively, in the consolidated balance sheets. See Note

- Leases for additional information.

Use of Estimates

- The preparation of financial statements in conformity with U.S. 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. These estimates and assumptions

may

affect the reported amounts of revenues and expenses during the reporting period. Actual results could differ from these estimates. A material estimate that is particularly susceptible to significant change in the near term relates to the determination of the allowance for loan losses.

Reclassifications

- We have made certain reclassifications to the

2018

financial presentation to conform to the

2019

presentation. These reclassifications did

not

change net income or stockholders’ equity.

Recent Accounting Pronouncements

June 2016,

the Financial Accounting Standards Board (“FASB”) issued ASU

2016

, Financial Instruments – Credit Losses (Topic

326

): Measurement of Credit Losses on Financial Instruments

, which sets forth a “current expected credit loss” (“CECL”) model requiring Old Line Bancshares to measure all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions and reasonable supportable forecasts. This replaces the existing incurred loss model and is applicable to the measurement of credit losses on financial assets measured at amortized cost and applies to some off-balance sheet credit exposures. For public business entities that are U.S. Securities and Exchange Commission filers, the amendments in this update are effective for fiscal years beginning after

December 15, 2019,

including interim periods within those fiscal years. Old Line Bancshares has constituted a committee that has the responsibility to gather loan information and consider acceptable methodologies to comply with this ASU. The committee meets periodically to discuss the latest developments and committee members keep themselves updated on such developments via webcasts, publications, and conferences. We have also evaluated and selected a

third

party vendor solution to assist us in the application of ASU

2016

13.

The adoption of ASU

2016

is likely to result in an increase in the allowance for loan losses as a result of changing from an “incurred loss” model, which encompasses allowances for current known and inherent losses within the portfolio, to an “expected loss” model, which encompasses allowances for losses expected to be incurred over the life of the portfolio. We are currently awaiting final comparison results on the parallel model compared to the CECL model. Due to the expected merger with WesBanco, the CECL model will be transitioned into and with WesBanco’s model. Old Line Bancshares’ evaluation indicates that the provisions of ASU

2016

will impact its consolidated financial statements, in particular the level of the reserve for loan losses. We are, however, continuing to evaluate the extent of the potential impact.

March 2017,

FASB issued ASU

2017

08,

Premium Amortization on Purchased Callable Debt Securities

. This ASU shortens the amortization period for the premium on certain purchased callable debt securities to the earliest call date. Previously, entities generally amortized the premium over the contractual life of the security. The guidance does

not

change the accounting for purchased callable debt securities held at a discount; the discount continues to be amortized to maturity. ASU

2017

was effective for interim and annual reporting periods beginning after

December 15, 2018;

early adoption was permitted. The guidance calls for a modified retrospective transition approach under which a cumulative-effect adjustment will be made to retained earnings as of the beginning of the

first

reporting period in which the guidance is adopted. The adoption of this guidance did

not

have a material impact on Old Line Bancshares’ consolidated financial statements.

July 2018,

FASB issued ASU

2018

11,

Leases (Topic

842

): Targeted Improvements.

The amendments set forth therein provide entities with an additional (and optional) transition method to adopt the new leases standard set forth in ASU

2016

02.

Under such new transition method, an entity initially applies the new leases standard at the adoption date and recognizes a cumulative-effect adjustment to the opening balance of retained earnings in the period of adoption. Consequently, an entity’s reporting for the comparative periods presented in the financial statements in which it adopts the new leases standard will continue to be in accordance with U.S. GAAP (Topic

840,

Leases

). The amendments also provide lessors with a practical expedient, by class of underlying asset, to

not

separate non-lease components from the associated lease component and, instead, to account for those components as a single component if the non-lease components otherwise would be accounted for under the new revenue guidance (Topic

606

) and certain criteria are met. If the non-lease component or components associated with the lease component are the predominant component of the combined component, an entity is required to account for the combined component in accordance with Topic

606.

Otherwise, the entity must account for the combined component as an operating lease in accordance with Topic

842

The amendments have the same effective date as ASU

2016

(

January 1, 2019

for Old Line Bancshares). Old Line Bancshares elected the transition options. ASU

2018

did

not

have a material impact on our consolidated financial statements.

ASU

2019

01,

Leases (Topic

842

)

, provides clarifications to increase transparency and comparability among organizations by recognizing lease assets and liabilities on the balance sheet and disclosing essential information about leasing transactions. Specifically, ASU

2019

(i) allows the fair value of the underlying asset reported by lessors that are

not

manufacturers or dealers to continue to be its cost and

not

fair value as measured under the fair value definition, (ii) allows for the cash flows received for sales-type and direct financing leases to continue to be presented as results from investing, and (iii) clarifies that entities do

not

have to disclose the effect of the lease standard on adoption year interim amounts. ASU

2019

will be effective for us on

January 1, 2020

and will

not

have a material impact on our consolidated financial statements.

XML 13 R18.htm IDEA: XBRL DOCUMENT

Note 9 - Short Term Borrowings

9 Months Ended

Sep. 30, 2019

Notes to Financial Statements

Short-term Debt [Text Block]

9.	SHORT TERM BORROWINGS

September 30, 2019,

we had

$180.0

million outstanding in short term FHLB borrowings, compared to

$190.0

million at

December 31, 2018.

September 30, 2019

and

December 31, 2018,

we had

unsecured promissory notes and

$24.4

million and

$38.2

million, respectively, in secured promissory notes.

Securities Sold Under Agreements to Repurchase

To support the

$24.4

million in repurchase agreements at

September 30, 2019,

we have provided collateral in the form of investment securities. At

September 30, 2019

we have pledged

$120.8

million in U.S. government agency securities and MBS to customers who require collateral for overnight repurchase agreements and deposits. Securities sold under agreements to repurchase are stated at the amount of cash received in connection with the transaction. As a result, there is

offsetting or netting of the investment securities assets with the repurchase agreement liabilities. We monitor collateral levels on a continuous basis. We

may

be required to provide additional collateral based on the fair value of the underlying securities in the event the collateral fair value falls below stipulated levels. We closely monitor the collateral levels to ensure adequate levels are maintained. Securities pledged as collateral under repurchase agreements are maintained with our safekeeping agents. We have the right to sell or re-pledge the investment securities. For government entity repurchase agreements, the collateral is held by Old Line Bank in a segregated custodial account under a tri-party agreement. The repurchase agreements totaling

$24.4

million mature daily and will remain fully collateralized until the account has been closed or terminated.

XML 14 R33.htm IDEA: XBRL DOCUMENT

Note 3 - Investment Securities (Details Textual) $ in Thousands	9 Months Ended
	Sep. 30, 2019 USD ($)	Sep. 30, 2018 USD ($)	Dec. 31, 2018
Available-for-sale, Securities in Unrealized Loss Positions, Qualitative Disclosure, Number of Positions, Greater than or Equal to One Year	65		166
Debt Securities, Available-for-sale, Continuous Unrealized Loss Position, Less than 12 Months, Number of Positions	2		34
Debt Securities, Available-for-sale, Gain (Loss), Total	$ 0	$ 0

XML 15 R37.htm IDEA: XBRL DOCUMENT

Note 4 - Loans (Details Textual)	3 Months Ended		9 Months Ended
Note 4 - Loans (Details Textual)	Sep. 30, 2019 USD ($)	Sep. 30, 2018 USD ($)	Sep. 30, 2019 USD ($)	Sep. 30, 2018 USD ($)	Dec. 31, 2018 USD ($)
Loans and Leases Receivable, Gross, Total	$ 2,478,181,230	$ 2,388,254,980	$ 2,478,181,230	$ 2,388,254,980	$ 2,413,612,086
Number of Restructured Loans	7		7		7
Financing Receivable, Troubled Debt Restructuring	$ 2,200,000		$ 2,200,000		$ 2,400,000
Financing Receivable, Modifications, Number of Contracts	0		0	1
Financing Receivable, Troubled Debt Restructuring, Subsequent Default, Number of Contracts	0	0	0	0
Commercial Real Estate Portfolio Segment [Member]
Loans and Leases Receivable, Gross, Total	$ 1,610,589,823	$ 1,504,997,269	$ 1,610,589,823	$ 1,504,997,269	1,510,000,000
Commercial Real Estate Portfolio Segment [Member] \| Owner Occupied [Member]
Loans and Leases Receivable, Gross, Total	$ 434,151,997		$ 434,151,997		440,158,981
Loan to Value Maximum Threshold	80.00%		80.00%
Commercial Real Estate Portfolio Segment [Member] \| Investment [Member]
Loans and Leases Receivable, Gross, Total	$ 838,075,686		$ 838,075,686		788,412,809
Loan to Value Maximum Threshold	75.00%		75.00%
Commercial Real Estate Portfolio Segment [Member] \| Hospitality Industry [Member]
Loans and Leases Receivable, Gross, Total	$ 250,159,698		$ 250,159,698		185,323,065
Residential Portfolio Segment [Member]
Loans and Leases Receivable, Gross, Total	$ 509,596,143	514,246,285	$ 509,596,143	514,246,285	523,600,000
Loan to Value Maximum Threshold	85.00%		85.00%
Borrowers Debt to Income Ratio Maximum Threshold, Percent	43.00%		43.00%
Residential Portfolio Segment [Member] \| Minimum [Member]
Loan Limits Amount	$ 484,350		$ 484,350
Residential Portfolio Segment [Member] \| Maximum [Member]
Loan Limits Amount, Maximum, Threshold for Certain Designated Areas	$ 726,525		$ 726,525
Residential Portfolio Segment [Member] \| Construction Loans [Member]
Loan to Value Maximum Threshold	80.00%		80.00%
Consumer Portfolio Segment [Member]
Loans and Leases Receivable, Gross, Total	$ 38,712,222	$ 56,368,965	$ 38,712,222	$ 56,368,965	$ 51,208,258
Borrowers Debt to Income Ratio Maximum Threshold, Percent	40.00%		40.00%

XML 16 R56.htm IDEA: XBRL DOCUMENT

Note 10 - Long Term Borrowings (Details Textual) - USD ($)	9 Months Ended
	Sep. 30, 2019	Dec. 31, 2018
Long-term Debt, Total	$ 38,569,343	$ 38,371,291
Trust One Maturing on March 17, 2034 [Member]
Long-term Debt, Fair Value	4,000,000
Liabilities, Fair Value Adjustment	1,300,000
Trust Two Maturing on December 14, 2035 [Member]
Long-term Debt, Fair Value	2,500,000
Liabilities, Fair Value Adjustment	1,100,000
Subordinated Debt [Member]
Long-term Debt, Total	$ 35,000,000
Debt Instrument, Interest Rate, Stated Percentage	5.625%
Trust Preferred Subordinated Debentures [Member]
Long-term Debt, Fair Value	$ 4,300,000
Liabilities, Fair Value Adjustment	$ 2,400,000

XML 17 R52.htm IDEA: XBRL DOCUMENT

Note 8 - Fair Value Measurement - Reconciliation of Changes in Fair Value (Details) - Fair Value, Inputs, Level 3 [Member] $ in Thousands	9 Months Ended
	Sep. 30, 2019 USD ($)
Balance	$ 22,339
Included in earnings
Included in other comprehensive income	162
Purchases, issuances, sales and settlements	3,500
Transfers into or out of level 3
Balance	$ 26,001

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Disclosure - Note 8 - Fair Value Measurement - Loan Fair Value on a Non-recurring Basis (Details) Sheet http://www.oldlinebank.com/20190930/role/statement-note-8-fair-value-measurement-loan-fair-value-on-a-nonrecurring-basis-details Note 8 - Fair Value Measurement - Loan Fair Value on a Non-recurring Basis (Details) Details 53 false false R54.htm 053 - Disclosure - Note 8 - Fair Value Measurement - Carrying and Fair Value (Details) Sheet http://www.oldlinebank.com/20190930/role/statement-note-8-fair-value-measurement-carrying-and-fair-value-details Note 8 - Fair Value Measurement - Carrying and Fair Value (Details) Details 54 false false R55.htm 054 - Disclosure - Note 9 - Short Term Borrowings (Details Textual) Sheet http://www.oldlinebank.com/20190930/role/statement-note-9-short-term-borrowings-details-textual Note 9 - Short Term Borrowings (Details Textual) Details http://www.oldlinebank.com/20190930/role/statement-note-9-short-term-borrowings 55 false false R56.htm 055 - Disclosure - Note 10 - Long Term Borrowings (Details Textual) Sheet http://www.oldlinebank.com/20190930/role/statement-note-10-long-term-borrowings-details-textual Note 10 - Long Term Borrowings (Details Textual) Details http://www.oldlinebank.com/20190930/role/statement-note-10-long-term-borrowings 56 false false R57.htm 056 - Disclosure - Note 11 - Leases (Details Textual) Sheet http://www.oldlinebank.com/20190930/role/statement-note-11-leases-details-textual Note 11 - Leases (Details Textual) Details http://www.oldlinebank.com/20190930/role/statement-note-11-leases-tables 57 false false R58.htm 057 - Disclosure - Note 11 - Leases - Lease Expense and Information (Details) Sheet http://www.oldlinebank.com/20190930/role/statement-note-11-leases-lease-expense-and-information-details Note 11 - Leases - Lease Expense and Information (Details) Details 58 false false R59.htm 058 - Disclosure - Note 11 - Leases - Operating Lease Liability Maturity (Details) Sheet http://www.oldlinebank.com/20190930/role/statement-note-11-leases-operating-lease-liability-maturity-details Note 11 - Leases - Operating Lease Liability Maturity (Details) Details 59 false false R60.htm 059 - Disclosure - Note 12 - Pending Acquisition (Details Textual) Sheet http://www.oldlinebank.com/20190930/role/statement-note-12-pending-acquisition-details-textual Note 12 - Pending Acquisition (Details Textual) Details http://www.oldlinebank.com/20190930/role/statement-note-12-pending-acquisition 60 false false All Reports Book All Reports olbk-20190930.xml olbk-20190930.xsd olbk-20190930_cal.xml olbk-20190930_def.xml olbk-20190930_lab.xml olbk-20190930_pre.xml http://fasb.org/us-gaap/2019-01-31 http://xbrl.sec.gov/dei/2019-01-31 http://fasb.org/srt/2019-01-31 true true XML 19 R43.htm IDEA: XBRL DOCUMENT

Note 4 - Loans - Credit Quality (Details) - USD ($)

Sep. 30, 2019

Dec. 31, 2018

Sep. 30, 2018

Loans

$ 2,478,181,230

$ 2,413,612,086

$ 2,388,254,980

Financial Asset Originated [Member]

Loans

1,852,652,297

1,668,118,171

Financial Assets Acquired [Member]

Loans

625,528,933

745,493,915

Commercial Real Estate Portfolio Segment [Member]

Loans

1,610,589,823

1,510,000,000

1,504,997,269

Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member]

Loans

434,151,997

440,158,981

Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member] | Financial Asset Originated [Member]

Loans

^[1]

309,452,786

299,266,275

Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member] | Financial Assets Acquired [Member]

Loans

124,699,211

140,892,706

Commercial Real Estate Portfolio Segment [Member] | Investment [Member]

Loans

838,075,686

788,412,809

Commercial Real Estate Portfolio Segment [Member] | Investment [Member] | Financial Asset Originated [Member]

Loans

^[1]

662,296,193

592,529,807

Commercial Real Estate Portfolio Segment [Member] | Investment [Member] | Financial Assets Acquired [Member]

Loans

175,779,493

195,883,002

Commercial Real Estate Portfolio Segment [Member] | Hospitality Industry [Member]

Loans

250,159,698

185,323,065

Commercial Real Estate Portfolio Segment [Member] | Hospitality Industry [Member] | Financial Asset Originated [Member]

Loans

^[1]

231,201,755

172,189,046

Commercial Real Estate Portfolio Segment [Member] | Hospitality Industry [Member] | Financial Assets Acquired [Member]

Loans

18,957,943

13,134,019

Commercial Real Estate Portfolio Segment [Member] | Land and A&D [Member]

Loans

88,202,441

93,669,628

Commercial Real Estate Portfolio Segment [Member] | Land and A&D [Member] | Financial Asset Originated [Member]

Loans

^[1]

81,167,986

71,908,761

Commercial Real Estate Portfolio Segment [Member] | Land and A&D [Member] | Financial Assets Acquired [Member]

Loans

7,034,455

21,760,867

Residential Portfolio Segment [Member]

Loans

509,596,143

523,600,000

514,246,285

Residential Portfolio Segment [Member] | Residential First Investment [Member]

Loans

167,485,553

152,567,390

Residential Portfolio Segment [Member] | Residential First Investment [Member] | Financial Asset Originated [Member]

Loans

^[1]

127,305,162

104,084,050

Residential Portfolio Segment [Member] | Residential First Investment [Member] | Financial Assets Acquired [Member]

Loans

40,180,391

48,483,340

Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member]

Loans

231,725,185

248,917,667

Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member] | Financial Asset Originated [Member]

Loans

^[1]

108,338,535

108,696,078

Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member] | Financial Assets Acquired [Member]

Loans

123,386,650

140,221,589

Residential Portfolio Segment [Member] | Residential Land and A&D [Member]

Loans

52,665,574

59,467,595

Residential Portfolio Segment [Member] | Residential Land and A&D [Member] | Financial Asset Originated [Member]

Loans

^[1]

42,648,776

42,639,161

Residential Portfolio Segment [Member] | Residential Land and A&D [Member] | Financial Assets Acquired [Member]

Loans

10,016,798

16,828,434

Residential Portfolio Segment [Member] | HELOC and Jr Liens [Member]

Loans

57,719,832

62,688,307

Residential Portfolio Segment [Member] | HELOC and Jr Liens [Member] | Financial Asset Originated [Member]

Loans

^[1]

22,149,070

20,749,184

Residential Portfolio Segment [Member] | HELOC and Jr Liens [Member] | Financial Assets Acquired [Member]

Loans

35,570,762

41,939,123

Commercial Portfolio Segment [Member]

Loans

319,283,092

312,642,461

Consumer Portfolio Segment [Member]

Loans

38,712,222

51,208,258

$ 56,368,965

Consumer Portfolio Segment [Member] | Financial Asset Originated [Member]

Loans

^[1]

13,004,012

16,289,147

Consumer Portfolio Segment [Member] | Financial Assets Acquired [Member]

Loans

25,708,210

34,919,111

Pass [Member]

Loans

2,346,417,899

2,382,747,302

Pass [Member] | Financial Asset Originated [Member]

Loans

1,837,351,192

1,654,190,571

Pass [Member] | Financial Assets Acquired [Member]

Loans

509,066,707

728,556,731

Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member]

Loans

425,327,871

431,660,807

Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member] | Financial Asset Originated [Member]

Loans

303,183,923

293,682,007

Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member] | Financial Assets Acquired [Member]

Loans

122,143,948

137,978,800

Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Investment [Member]

Loans

734,147,749

783,856,496

Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Investment [Member] | Financial Asset Originated [Member]

Loans

659,590,203

589,763,511

Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Investment [Member] | Financial Assets Acquired [Member]

Loans

74,557,546

194,092,985

Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Hospitality Industry [Member]

Loans

250,159,698

185,323,065

Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Hospitality Industry [Member] | Financial Asset Originated [Member]

Loans

231,201,755

172,189,046

Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Hospitality Industry [Member] | Financial Assets Acquired [Member]

Loans

18,957,943

13,134,019

Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Land and A&D [Member]

Loans

88,007,761

93,423,181

Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Land and A&D [Member] | Financial Asset Originated [Member]

Loans

81,167,986

71,908,761

Pass [Member] | Commercial Real Estate Portfolio Segment [Member] | Land and A&D [Member] | Financial Assets Acquired [Member]

Loans

6,839,775

21,514,420

Pass [Member] | Residential Portfolio Segment [Member] | Residential First Investment [Member]

Loans

163,608,361

148,702,063

Pass [Member] | Residential Portfolio Segment [Member] | Residential First Investment [Member] | Financial Asset Originated [Member]

Loans

126,493,210

103,270,617

Pass [Member] | Residential Portfolio Segment [Member] | Residential First Investment [Member] | Financial Assets Acquired [Member]

Loans

37,115,151

45,431,446

Pass [Member] | Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member]

Loans

226,676,085

243,331,655

Pass [Member] | Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member] | Financial Asset Originated [Member]

Loans

108,036,843

108,371,748

Pass [Member] | Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member] | Financial Assets Acquired [Member]

Loans

118,639,242

134,959,907

Pass [Member] | Residential Portfolio Segment [Member] | Residential Land and A&D [Member]

Loans

50,048,823

56,793,043

Pass [Member] | Residential Portfolio Segment [Member] | Residential Land and A&D [Member] | Financial Asset Originated [Member]

Loans

40,330,083

40,268,376

Pass [Member] | Residential Portfolio Segment [Member] | Residential Land and A&D [Member] | Financial Assets Acquired [Member]

Loans

9,718,740

16,524,667

Pass [Member] | Residential Portfolio Segment [Member] | HELOC and Jr Liens [Member]

Loans

55,999,227

61,945,684

Pass [Member] | Residential Portfolio Segment [Member] | HELOC and Jr Liens [Member] | Financial Asset Originated [Member]

Loans

22,149,070

20,749,184

Pass [Member] | Residential Portfolio Segment [Member] | HELOC and Jr Liens [Member] | Financial Assets Acquired [Member]

Loans

33,850,157

41,196,500

Pass [Member] | Commercial Portfolio Segment [Member]

Loans

313,971,536

326,763,140

Pass [Member] | Commercial Portfolio Segment [Member] | Financial Asset Originated [Member]

Loans

252,223,178

237,713,832

Pass [Member] | Commercial Portfolio Segment [Member] | Financial Assets Acquired [Member]

Loans

61,748,358

89,049,308

Pass [Member] | Consumer Portfolio Segment [Member]

Loans

38,470,788

50,948,168

Pass [Member] | Consumer Portfolio Segment [Member] | Financial Asset Originated [Member]

Loans

12,974,941

16,273,489

Pass [Member] | Consumer Portfolio Segment [Member] | Financial Assets Acquired [Member]

Loans

25,495,847

34,674,679

Special Mention [Member]

Loans

14,684,961

9,719,598

Special Mention [Member] | Financial Asset Originated [Member]

Loans

5,226,755

4,117,546

Special Mention [Member] | Financial Assets Acquired [Member]

Loans

9,458,206

5,602,052

Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member]

Loans

1,669,431

1,724,196

Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member] | Financial Asset Originated [Member]

Loans

408,090

420,347

Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member] | Financial Assets Acquired [Member]

Loans

1,261,341

1,303,849

Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member] | Investment [Member]

Loans

1,959,309

1,635,322

Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member] | Investment [Member] | Financial Asset Originated [Member]

Loans

1,044,086

1,077,635

Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member] | Investment [Member] | Financial Assets Acquired [Member]

Loans

915,223

557,687

Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member] | Land and A&D [Member]

Loans

184,681

201,447

Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member] | Land and A&D [Member] | Financial Asset Originated [Member]

Loans

Special Mention [Member] | Commercial Real Estate Portfolio Segment [Member] | Land and A&D [Member] | Financial Assets Acquired [Member]

Loans

184,681

201,447

Special Mention [Member] | Residential Portfolio Segment [Member] | Residential First Investment [Member]

Loans

2,027,032

1,998,643

Special Mention [Member] | Residential Portfolio Segment [Member] | Residential First Investment [Member] | Financial Asset Originated [Member]

Loans

280,873

289,618

Special Mention [Member] | Residential Portfolio Segment [Member] | Residential First Investment [Member] | Financial Assets Acquired [Member]

Loans

1,746,159

1,709,025

Special Mention [Member] | Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member]

Loans

2,003,391

1,584,873

Special Mention [Member] | Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member] | Financial Asset Originated [Member]

Loans

57,846

62,136

Special Mention [Member] | Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member] | Financial Assets Acquired [Member]

Loans

1,945,545

1,522,737

Special Mention [Member] | Residential Portfolio Segment [Member] | Residential Land and A&D [Member]

Loans

2,133,338

2,195,111

Special Mention [Member] | Residential Portfolio Segment [Member] | Residential Land and A&D [Member] | Financial Asset Originated [Member]

Loans

2,034,514

2,093,081

Special Mention [Member] | Residential Portfolio Segment [Member] | Residential Land and A&D [Member] | Financial Assets Acquired [Member]

Loans

98,824

102,030

Special Mention [Member] | Residential Portfolio Segment [Member] | HELOC and Jr Liens [Member]

Loans

845,111

742,623

Special Mention [Member] | Residential Portfolio Segment [Member] | HELOC and Jr Liens [Member] | Financial Asset Originated [Member]

Loans

Special Mention [Member] | Residential Portfolio Segment [Member] | HELOC and Jr Liens [Member] | Financial Assets Acquired [Member]

Loans

845,111

742,623

Special Mention [Member] | Commercial Portfolio Segment [Member]

Loans

3,765,469

349,158

Special Mention [Member] | Commercial Portfolio Segment [Member] | Financial Asset Originated [Member]

Loans

1,401,346

174,729

Special Mention [Member] | Commercial Portfolio Segment [Member] | Financial Assets Acquired [Member]

Loans

2,364,123

174,429

Special Mention [Member] | Consumer Portfolio Segment [Member]

Loans

97,199

30,848

Special Mention [Member] | Consumer Portfolio Segment [Member] | Financial Asset Originated [Member]

Loans

Special Mention [Member] | Consumer Portfolio Segment [Member] | Financial Assets Acquired [Member]

Loans

97,199

30,848

Substandard [Member]

Loans

17,078,420

21,145,186

Substandard [Member] | Financial Asset Originated [Member]

Loans

10,074,400

9,810,054

Substandard [Member] | Financial Assets Acquired [Member]

Loans

7,004,020

11,335,132

Substandard [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member]

Loans

7,154,695

6,773,978

Substandard [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member] | Financial Asset Originated [Member]

Loans

5,860,773

5,163,921

Substandard [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member] | Financial Assets Acquired [Member]

Loans

1,293,922

1,610,057

Substandard [Member] | Commercial Real Estate Portfolio Segment [Member] | Investment [Member]

Loans

1,968,628

2,920,991

Substandard [Member] | Commercial Real Estate Portfolio Segment [Member] | Investment [Member] | Financial Asset Originated [Member]

Loans

1,661,904

1,688,661

Substandard [Member] | Commercial Real Estate Portfolio Segment [Member] | Investment [Member] | Financial Assets Acquired [Member]

Loans

306,724

1,232,330

Substandard [Member] | Commercial Real Estate Portfolio Segment [Member] | Land and A&D [Member]

Loans

10,000

45,000

Substandard [Member] | Commercial Real Estate Portfolio Segment [Member] | Land and A&D [Member] | Financial Asset Originated [Member]

Loans

Substandard [Member] | Commercial Real Estate Portfolio Segment [Member] | Land and A&D [Member] | Financial Assets Acquired [Member]

Loans

10,000

45,000

Substandard [Member] | Residential Portfolio Segment [Member] | Residential First Investment [Member]

Loans

1,850,160

1,866,684

Substandard [Member] | Residential Portfolio Segment [Member] | Residential First Investment [Member] | Financial Asset Originated [Member]

Loans

531,079

523,815

Substandard [Member] | Residential Portfolio Segment [Member] | Residential First Investment [Member] | Financial Assets Acquired [Member]

Loans

1,319,081

1,342,869

Substandard [Member] | Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member]

Loans

3,045,709

4,001,139

Substandard [Member] | Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member] | Financial Asset Originated [Member]

Loans

243,846

262,194

Substandard [Member] | Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member] | Financial Assets Acquired [Member]

Loans

2,801,863

3,738,945

Substandard [Member] | Residential Portfolio Segment [Member] | Residential Land and A&D [Member]

Loans

483,413

479,441

Substandard [Member] | Residential Portfolio Segment [Member] | Residential Land and A&D [Member] | Financial Asset Originated [Member]

Loans

284,179

277,704

Substandard [Member] | Residential Portfolio Segment [Member] | Residential Land and A&D [Member] | Financial Assets Acquired [Member]

Loans

199,234

201,737

Substandard [Member] | Residential Portfolio Segment [Member] | HELOC and Jr Liens [Member]

Loans

875,493

Substandard [Member] | Residential Portfolio Segment [Member] | HELOC and Jr Liens [Member] | Financial Asset Originated [Member]

Loans

Substandard [Member] | Residential Portfolio Segment [Member] | HELOC and Jr Liens [Member] | Financial Assets Acquired [Member]

Loans

875,493

Substandard [Member] | Commercial Portfolio Segment [Member]

Loans

1,546,087

4,086,088

Substandard [Member] | Commercial Portfolio Segment [Member] | Financial Asset Originated [Member]

Loans

1,463,548

1,878,101

Substandard [Member] | Commercial Portfolio Segment [Member] | Financial Assets Acquired [Member]

Loans

82,539

2,207,987

Substandard [Member] | Consumer Portfolio Segment [Member]

Loans

144,235

229,242

Substandard [Member] | Consumer Portfolio Segment [Member] | Financial Asset Originated [Member]

Loans

29,071

15,658

Substandard [Member] | Consumer Portfolio Segment [Member] | Financial Assets Acquired [Member]

Loans

115,164

213,584

Doubtful [Member]

Loans

Doubtful [Member] | Financial Asset Originated [Member]

Loans

Doubtful [Member] | Financial Assets Acquired [Member]

Loans

Unlikely to be Collected Financing Receivable [Member]

Loans

Unlikely to be Collected Financing Receivable [Member] | Financial Asset Originated [Member]

Loans

Unlikely to be Collected Financing Receivable [Member] | Financial Assets Acquired [Member]

Loans

[1]

As a result of the acquisitions of Maryland Bankcorp, Inc. ("Maryland Bankcorp"), the parent company of Maryland Bank & Trust Company, N.A. ("MB&T"), in April 2011, WSB Holdings Inc., the parent company of The Washington Savings Bank ("WSB"), in May 2013, Regal Bancorp, Inc. ("Regal"), the parent company of Regal Bank & Trust ("Regal Bank"), in December 2015, DCB Bancshares, Inc. ("DCB"), the parent company of Damascus Community Bank ("Damascus"), in July 2017, and BYBK, the parent company of Bay Bank, in April 2018, we have segmented the portfolio into two components, "Legacy" loans originated by Old Line Bank and "Acquired" loans acquired from MB&T, WSB, Regal Bank, Damascus and Bay Bank.

XML 20 R7.htm IDEA: XBRL DOCUMENT

Consolidated Statement of Changes in Stockholders' Equity (Unaudited) - USD ($)	Common Stock [Member]	Additional Paid-in Capital [Member]	Retained Earnings [Member]	AOCI Attributable to Parent [Member]	Total
Balance (in shares) at Dec. 31, 2017	12,508,332
Balance at Dec. 31, 2017	$ 125,083	$ 148,882,865	$ 61,054,487	$ (2,335,249)	$ 207,727,186
Net income attributable to Old Line Bancshares, Inc.			6,065,182		6,065,182
Other comprehensive income (loss)				(2,303,310)	(2,303,310)
Stock based compensation awards		288,559			288,559
Stock options exercised (in shares)	38,921
Stock options exercised	$ 389	520,507			520,896
Restricted stock issued (in shares)	19,443
Restricted stock issued	$ 195	(195)
Common stock cash dividends			(1,005,723)		(1,005,723)
Tax Cut and Jobs Act at Dec. 31, 2017			459,973	(459,973)
Balance (in shares) at Mar. 31, 2018	12,566,696
Balance at Mar. 31, 2018	$ 125,667	149,691,736	66,573,919	(5,098,532)	211,292,790
Balance (in shares) at Dec. 31, 2017	12,508,332
Balance at Dec. 31, 2017	$ 125,083	148,882,865	61,054,487	(2,335,249)	207,727,186
Net income attributable to Old Line Bancshares, Inc.					17,055,844
Tax Cut and Jobs Act at Dec. 31, 2017			459,973	(459,973)
Balance (in shares) at Sep. 30, 2018	16,988,883
Balance at Sep. 30, 2018	$ 169,889	293,139,653	74,167,389	(7,296,740)	360,180,191
Balance (in shares) at Mar. 31, 2018	12,566,696
Balance at Mar. 31, 2018	$ 125,667	149,691,736	66,573,919	(5,098,532)	211,292,790
Net income attributable to Old Line Bancshares, Inc.			2,725,833		2,725,833
Other comprehensive income (loss)				(1,165,351)	(1,165,351)
Stock based compensation awards		280,751			280,751
Stock options exercised (in shares)	14,100
Stock options exercised	$ 141	262,578			262,719
Common stock cash dividends			(1,698,000)		(1,698,000)
Acquisition of Bay Bancorp, Inc. (in shares)	4,408,087
Acquisition of Bay Bancorp, Inc.	$ 44,081	142,601,614			142,645,695
Balance (in shares) at Jun. 30, 2018	16,988,883
Balance at Jun. 30, 2018	$ 169,889	292,836,679	67,601,752	(6,263,883)	354,344,437
Net income attributable to Old Line Bancshares, Inc.			8,264,829		8,264,829
Other comprehensive income (loss)				(1,032,857)	(1,032,857)
Stock based compensation awards		302,974			302,974
Common stock cash dividends			(1,699,192)		(1,699,192)
Balance (in shares) at Sep. 30, 2018	16,988,883
Balance at Sep. 30, 2018	$ 169,889	293,139,653	74,167,389	(7,296,740)	$ 360,180,191
Balance (in shares) at Dec. 31, 2018	17,031,052				17,031,052
Balance at Dec. 31, 2018	$ 170,311	293,501,107	82,628,356	(5,529,240)	$ 370,770,534
Net income attributable to Old Line Bancshares, Inc.			8,504,174		8,504,174
Other comprehensive income (loss)				2,807,204	2,807,204
Stock based compensation awards		291,715			291,715
Stock options exercised (in shares)	2,400
Stock options exercised	$ 24	48,907			48,931
Restricted stock issued (in shares)	28,191
Restricted stock issued	$ 282	(282)
Stock buyback (in shares)	(10,074)
Stock buyback	$ (101)	(251,090)			(251,191)
Common stock cash dividends			(2,047,969)		(2,047,969)
Balance (in shares) at Mar. 31, 2019	17,051,569
Balance at Mar. 31, 2019	$ 170,516	293,590,357	89,084,561	(2,722,036)	$ 380,123,398
Balance (in shares) at Dec. 31, 2018	17,031,052				17,031,052
Balance at Dec. 31, 2018	$ 170,311	293,501,107	82,628,356	(5,529,240)	$ 370,770,534
Net income attributable to Old Line Bancshares, Inc.					$ 26,600,483
Balance (in shares) at Sep. 30, 2019	16,999,146				16,999,146
Balance at Sep. 30, 2019	$ 169,991	292,993,861	103,100,167	1,096,828	$ 397,360,847
Balance (in shares) at Mar. 31, 2019	17,051,569
Balance at Mar. 31, 2019	$ 170,516	293,590,357	89,084,561	(2,722,036)	380,123,398
Net income attributable to Old Line Bancshares, Inc.			8,912,080		8,912,080
Other comprehensive income (loss)				3,253,624	3,253,624
Stock based compensation awards		368,206			368,206
Stock buyback (in shares)	(52,423)
Stock buyback	$ (525)	(1,304,919)			(1,305,444)
Common stock cash dividends			(2,040,355)		(2,040,355)
Balance (in shares) at Jun. 30, 2019	16,999,146
Balance at Jun. 30, 2019	$ 169,991	292,653,644	95,956,286	531,588	389,311,509
Net income attributable to Old Line Bancshares, Inc.			9,184,229		9,184,229
Other comprehensive income (loss)				565,240	565,240
Stock based compensation awards		340,217			340,217
Common stock cash dividends			(2,040,348)		$ (2,040,348)
Balance (in shares) at Sep. 30, 2019	16,999,146				16,999,146
Balance at Sep. 30, 2019	$ 169,991	$ 292,993,861	$ 103,100,167	$ 1,096,828	$ 397,360,847

XML 21 R47.htm IDEA: XBRL DOCUMENT

Note 5 - Other Real Estate Owned - Transactions in Other Real Estate Owned (Details) - USD ($)	3 Months Ended		9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Beginning balance			$ 882,510
Real estate acquired through foreclosure of loans			209,124
Sales/deposits on sales
Net realized gain/(loss)		$ (26,266)		$ (80,738)
Total end of period	1,091,634		1,091,634
Financial Asset Originated [Member]
Beginning balance
Real estate acquired through foreclosure of loans
Sales/deposits on sales
Net realized gain/(loss)
Total end of period
Financial Assets Acquired [Member]
Beginning balance			882,510
Real estate acquired through foreclosure of loans			209,124
Sales/deposits on sales
Net realized gain/(loss)
Total end of period	$ 1,091,634		$ 1,091,634

XML 22 R3.htm IDEA: XBRL DOCUMENT

Consolidated Balance Sheets (Current Period Unaudited) (Parentheticals) - USD ($)	Sep. 30, 2019	Dec. 31, 2018
Loans held for sale, fair value	$ 23,203,560	$ 11,860,147
Loans held for investment, allowance for loan losses	$ 8,001,352	$ 7,471,023
Common stock, par value (in dollars per share)	$ 0.01	$ 0.01
Common stock, shares authorized (in shares)	25,000,000	25,000,000
Common stock, shares issued (in shares)	16,999,146	17,031,052
Common stock, shares outstanding (in shares)	16,999,146	17,031,052

XML 23 R60.htm IDEA: XBRL DOCUMENT

Note 12 - Pending Acquisition (Details Textual) - USD ($)		9 Months Ended
	Jul. 23, 2019	Sep. 30, 2019	Sep. 30, 2018
Business Combination, Consideration Transferred, Total			$ 143,619,078
Wesbanco, Inc and Wesbanco Bank, Inc [Member]
Business Combination, Consideration Transferred, Total	$ 500,000,000

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Note 5 - Other Real Estate Owned (Tables)
9 Months Ended

Sep. 30, 2019

Notes Tables

Other Real Estate, Roll Forward [Table Text Block]

Nine Months ended September 30, 2019 Legacy Acquired Total

Beginning balance $
—
$
882,510
$
882,510

Real estate acquired through foreclosure of loans
—

209,124

209,124

Sales/deposits on sales
—

—

—

Net realized gain/(loss)
—

—

—

Total end of period $
—
$
1,091,634
$
1,091,634

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Significant Accounting Policies (Policies)
9 Months Ended

Sep. 30, 2019

Accounting Policies [Abstract]

Consolidation, Policy [Policy Text Block]
Basis of Presentation and Consolidation
- The accompanying condensed consolidated financial statements include the activity of Old Line Bancshares and its wholly owned subsidiary, Old Line Bank. We have eliminated all significant intercompany transactions and balances.

The foregoing consolidated financial statements for the periods ended
September 30, 2019
and
2018
are unaudited and have been prepared in accordance with U.S. generally accepted accounting principles (“U.S. GAAP”), however, in the opinion of management we have included all adjustments necessary for a fair presentation of the results of the interim period. We derived the balances as of
December
31,

2018
from audited financial statements. These statements should be read in conjunction with Old Line Bancshares’ financial statements and accompanying notes included in Old Line Bancshares’ Form
10
-K for the year ended
December
31,

2018.
We have made
no
significant changes to Old Line Bancshares’ accounting policies as disclosed in the Form
10
-K, except as described in the Recent Accounting Pronouncements section below.

Accounting Changes [Policy Text Block]
Accounting Changes -
Accounting Standards Update (“ASU”)
2016
-
02,

Leases
(
Topic
842
)
requires that lessees and lessors recognize lease assets and lease liabilities on the balance sheet and disclose key information about leasing arrangements. ASU
2016
-
02
was effective for us on
January 1, 2019.
ASU
2016
-
02
provides for a modified retrospective transition approach requiring lessees to recognize and measure leases on the balance sheet at the beginning of either the earliest period presented or as of the beginning of the period of adoption with the option to elect certain practical expedients. We elected to apply ASU
2016
-
02
at of the beginning of the period of adoption (
January 1, 2019)
and have
not
restated comparative periods.

Our operating leases relate primarily to office space and bank branches. As a result of implementing ASU
2016
-
02,
we recognized an operating lease right-of-use (“ROU”) asset of
$26.2
million and an operating lease liability of
$26.5
million on
January 1, 2019,
with
no
impact on our consolidated statements of income or consolidated statements of cash flows compared to the prior lease accounting model. The ROU asset and operating lease liability are recorded in other assets and other liabilities, respectively, in the consolidated balance sheets. See Note
11
- Leases for additional information.

Use of Estimates, Policy [Policy Text Block]
Use of Estimates
- The preparation of financial statements in conformity with U.S. 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. These estimates and assumptions
may
affect the reported amounts of revenues and expenses during the reporting period. Actual results could differ from these estimates. A material estimate that is particularly susceptible to significant change in the near term relates to the determination of the allowance for loan losses.

Reclassification, Policy [Policy Text Block]
Reclassifications
- We have made certain reclassifications to the
2018
financial presentation to conform to the
2019
presentation. These reclassifications did
not
change net income or stockholders’ equity.

New Accounting Pronouncements, Policy [Policy Text Block]
Recent Accounting Pronouncements

In
June 2016,
the Financial Accounting Standards Board (“FASB”) issued ASU
2016
-
13
, Financial Instruments – Credit Losses (Topic
326
): Measurement of Credit Losses on Financial Instruments
, which sets forth a “current expected credit loss” (“CECL”) model requiring Old Line Bancshares to measure all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions and reasonable supportable forecasts. This replaces the existing incurred loss model and is applicable to the measurement of credit losses on financial assets measured at amortized cost and applies to some off-balance sheet credit exposures. For public business entities that are U.S. Securities and Exchange Commission filers, the amendments in this update are effective for fiscal years beginning after
December 15, 2019,
including interim periods within those fiscal years. Old Line Bancshares has constituted a committee that has the responsibility to gather loan information and consider acceptable methodologies to comply with this ASU. The committee meets periodically to discuss the latest developments and committee members keep themselves updated on such developments via webcasts, publications, and conferences. We have also evaluated and selected a
third
party vendor solution to assist us in the application of ASU
2016
-
13.
The adoption of ASU
2016
-
13
is likely to result in an increase in the allowance for loan losses as a result of changing from an “incurred loss” model, which encompasses allowances for current known and inherent losses within the portfolio, to an “expected loss” model, which encompasses allowances for losses expected to be incurred over the life of the portfolio. We are currently awaiting final comparison results on the parallel model compared to the CECL model. Due to the expected merger with WesBanco, the CECL model will be transitioned into and with WesBanco’s model. Old Line Bancshares’ evaluation indicates that the provisions of ASU
2016
-
13
will impact its consolidated financial statements, in particular the level of the reserve for loan losses. We are, however, continuing to evaluate the extent of the potential impact.

In
March 2017,
FASB issued ASU
2017
-
08,

Premium Amortization on Purchased Callable Debt Securities
. This ASU shortens the amortization period for the premium on certain purchased callable debt securities to the earliest call date. Previously, entities generally amortized the premium over the contractual life of the security. The guidance does
not
change the accounting for purchased callable debt securities held at a discount; the discount continues to be amortized to maturity. ASU
2017
-
08
was effective for interim and annual reporting periods beginning after
December 15, 2018;
early adoption was permitted. The guidance calls for a modified retrospective transition approach under which a cumulative-effect adjustment will be made to retained earnings as of the beginning of the
first
reporting period in which the guidance is adopted. The adoption of this guidance did
not
have a material impact on Old Line Bancshares’ consolidated financial statements.

In
July 2018,
FASB issued ASU
2018
-
11,

Leases (Topic
842
): Targeted Improvements.
The amendments set forth therein provide entities with an additional (and optional) transition method to adopt the new leases standard set forth in ASU
2016
-
02.
Under such new transition method, an entity initially applies the new leases standard at the adoption date and recognizes a cumulative-effect adjustment to the opening balance of retained earnings in the period of adoption. Consequently, an entity’s reporting for the comparative periods presented in the financial statements in which it adopts the new leases standard will continue to be in accordance with U.S. GAAP (Topic
840,

Leases
). The amendments also provide lessors with a practical expedient, by class of underlying asset, to
not
separate non-lease components from the associated lease component and, instead, to account for those components as a single component if the non-lease components otherwise would be accounted for under the new revenue guidance (Topic
606
) and certain criteria are met. If the non-lease component or components associated with the lease component are the predominant component of the combined component, an entity is required to account for the combined component in accordance with Topic
606.
Otherwise, the entity must account for the combined component as an operating lease in accordance with Topic
842
.
The amendments have the same effective date as ASU
2016
-
02
(
January 1, 2019
for Old Line Bancshares). Old Line Bancshares elected the transition options. ASU
2018
-
11
did
not
have a material impact on our consolidated financial statements.

ASU
2019
-
01,

Leases (Topic
842
)
, provides clarifications to increase transparency and comparability among organizations by recognizing lease assets and liabilities on the balance sheet and disclosing essential information about leasing transactions. Specifically, ASU
2019
-
01
(i) allows the fair value of the underlying asset reported by lessors that are
not
manufacturers or dealers to continue to be its cost and
not
fair value as measured under the fair value definition, (ii) allows for the cash flows received for sales-type and direct financing leases to continue to be presented as results from investing, and (iii) clarifies that entities do
not
have to disclose the effect of the lease standard on adoption year interim amounts. ASU
2019
-
01
will be effective for us on
January 1, 2020
and will
not
have a material impact on our consolidated financial statements.

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Note 4 - Loans - Acquired Impaired Loans (Details) - USD ($)
9 Months Ended

Sep. 30, 2019

Sep. 30, 2018

Dec. 31, 2018

Dec. 31, 2017

Balance at beginning of period $ 124,090 $ 115,066

Additions due to BYBK acquisition 50,984

Accretion of fair value discounts (1,375,970) (873,308)

Reclassification (to)/from non-accretable discount 1,334,580 847,153

Balance at end of period 82,700 139,895

Contractually required payments receivable 9,125,242 17,975,448 $ 11,146,165 $ 8,277,731

Carrying amount $ 7,976,188 $ 14,109,972 $ 9,396,862 $ 6,617,774

X

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Consolidated Statements of Comprehensive Income (Unaudited) (Parentheticals) - USD ($)
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Sep. 30, 2018

Sep. 30, 2019

Sep. 30, 2018

Unrealized (loss) gain on sale of securities available for sale, tax $ 364,356 $ (392,117) $ 2,669,706 $ (1,708,971)

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Note 5 - Other Real Estate Owned (Details Textual)

Sep. 30, 2019

USD ($)

Dec. 31, 2018

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Sep. 30, 2018

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Other Real Estate, Foreclosed Assets, and Repossessed Assets, Total $ 1,091,634 $ 882,510

Loans in Process of Foreclosure, Number 6 5

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Consolidated Balance Sheets (Current Period Unaudited) - USD ($)

Sep. 30, 2019

Dec. 31, 2018

Assets

Cash and due from banks $ 44,987,316 $ 41,495,763

Interest bearing accounts 1,625,029 2,051,273

Federal funds sold 388,971 953,582

Total cash and cash equivalents 47,001,316 44,500,618

Investment securities available for sale-at fair value 268,534,675 219,705,762

Loans held for sale, fair value of $23,203,560 and $11,860,147 22,534,097 11,564,993

Loans held for investment (net of allowance for loan losses of $8,001,352 and $7,471,023, respectively) 2,473,922,052 2,409,227,698

Equity securities at cost 10,886,803 11,150,750

Premises and equipment 42,073,240 42,624,787

Accrued interest receivable 7,960,574 7,958,511

Income taxes receivable 123,434 5,014,510

Deferred income taxes 1,858,345 4,660,278

Bank owned life insurance 69,167,140 67,920,021

Annuity Plan 6,226,727 6,268,426

Other real estate owned 1,091,634 882,510

Goodwill 94,668,455 94,668,455

Core deposit intangible 13,400,601 15,362,232

Other assets 37,388,851 8,497,544

Total assets 3,096,837,944 2,950,007,095

Deposits

Non-interest bearing 620,136,296 559,059,672

Interest bearing 1,793,209,494 1,736,989,227

Total deposits 2,413,345,790 2,296,048,899

Short term borrowings 204,378,672 228,184,856

Long term borrowings 38,569,343 38,371,291

Accrued interest payable 2,452,857 2,844,715

Supplemental executive retirement plan 6,115,372 5,997,819

Other liabilities 34,615,063 7,788,981

Total liabilities 2,699,477,097 2,579,236,561

Stockholders’ equity

Common stock, par value $0.01 per share; 25,000,000 shares authorized; 16,999,146 and 17,031,052 shares issued and outstanding in 2019 and 2018, respectively 169,991 170,311

Additional paid-in capital 292,993,861 293,501,107

Retained earnings 103,100,167 82,628,356

Accumulated other comprehensive income (loss) 1,096,828 (5,529,240)

Total stockholders’ equity 397,360,847 370,770,534

Total liabilities and stockholders’ equity $ 3,096,837,944 $ 2,950,007,095

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Note 6 - Earnings Per Common Share (Tables)
9 Months Ended

Sep. 30, 2019

Notes Tables

Schedule of Weighted Average Number of Shares [Table Text Block]

Three Months Ended Nine Months Ended

September 30, September 30,

2019 2018 2019 2018

Weighted average number of shares
16,999,146

16,988,883

17,021,359

15,277,219

Dilutive average number of shares
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17,187,837

17,146,723

15,485,452

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Note 2 - Acquisition of Bay Bancorp, Inc. (Tables)
9 Months Ended

Sep. 30, 2019

Notes Tables

Schedule of Recognized Identified Assets Acquired and Liabilities Assumed [Table Text Block]

Purchase Price Consideration

Cash consideration $
973,383

Purchase price assigned to shares exchanged for stock
142,645,695

Total purchase price for BYBK acquisition
143,619,078

Fair Value of Assets Acquired

Cash and due from banks $
22,590,994

Investment securities
51,895,757

Restricted equity securities, at cost
2,339,700

Loans, net
546,215,988

Premises and equipment
3,127,963

Accrued interest receivable
1,714,054

Accrued taxes receivable
1,912,807

Deferred income taxes
1,219,602

Bank owned life insurance
16,319,198

Other real estate owned
1,041,079

Core deposit intangible
11,243,714

Other assets
1,817,233

Total assets acquired $
661,438,089

Fair Value of Liabilities assumed

Deposits $
541,368,907

Short term borrowings
41,100,000

Other liabilities
4,934,884

Total liabilities assumed $
587,403,791

Fair Value of net assets acquired
74,034,298

Total Purchase Price
143,619,078

Goodwill recorded for BYBK $
69,584,780

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Note 10 - Long Term Borrowings
9 Months Ended

Sep. 30, 2019

Notes to Financial Statements

Long-term Debt [Text Block]

10.

LONG TERM BORROWINGS

Long term borrowings consist of
$35
million in aggregate principal amount of Old Line Bancshares
5.625%
Fixed-to-Floating Rate Subordinated Notes due
2026
(the “Notes”). The Notes were issued pursuant to an indenture and a supplemental indenture, each dated as of
August 15, 2016,
between Old Line Bancshares and U.S. Bank National Association as Trustee. The Notes are unsecured subordinated obligations of Old Line Bancshares and rank equally with all other unsecured subordinated indebtedness currently outstanding or issued in the future. The Notes are subordinated in right of payment of all senior indebtedness.

Also included in long term borrowings are trust preferred subordinated debentures totaling
$4.3
million (net of
$2.4
million fair value adjustment) at
September 30, 2019
acquired in the Regal acquisition. The trust preferred subordinated debentures consists of
two
trusts – Trust
1
in the amount of
$4.0
million (fair value adjustment of
$1.3
million) maturing on
March 17, 2034
and Trust
2
in the amount of
$2.5
million (fair value adjustment
$1.1
million) maturing on
December 14, 2035.

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Note 6 - Earnings Per Common Share
9 Months Ended

Sep. 30, 2019

Notes to Financial Statements

Earnings Per Share [Text Block]

6.

EARNINGS PER COMMON SHARE

We determine basic earnings per common share by dividing net income by the weighted average number of shares of common stock outstanding giving retroactive effect to stock dividends.

We calculate diluted earnings per common share by including the average dilutive common stock equivalents outstanding during the period. Dilutive common equivalent shares consist of stock options, calculated using the treasury stock method.

Three Months Ended Nine Months Ended

September 30, September 30,

2019 2018 2019 2018

Weighted average number of shares
16,999,146

16,988,883

17,021,359

15,277,219

Dilutive average number of shares
17,129,181

17,187,837

17,146,723

15,485,452

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Note 2 - Acquisition of Bay Bancorp, Inc.
9 Months Ended

Sep. 30, 2019

Notes to Financial Statements

Business Combination Disclosure [Text Block]

2.

ACQUISITION OF BAY BANCORP, INC.

On
April 13, 2018,
Old Line Bancshares acquired Bay Bancorp, Inc. (“BYBK”), the parent company of Bay Bank, FSB (“Bay Bank”). Upon the consummation of the merger, each share of common stock of BYBK outstanding immediately before the merger was converted into the right to receive
0.4088
shares of Old Line Bancshares’ common stock, provided that cash was paid in lieu of any fractional shares of Old Line Bancshares common stock. As a result, Old Line Bancshares issued
4,408,087
shares of its common stock in exchange for the shares of BYBK common stock in the merger. The aggregate merger consideration was approximately
$143.6
million based on the closing sales price of Old Line Bancshares’ common stock on
April 13, 2018.

In connection with the merger, Bay Bank merged with and into Old Line Bank, with Old Line Bank the surviving bank.

At
April 13, 2018,
BYBK had consolidated assets of approximately
$661
million. This merger added
eleven
banking locations located in BYBK’s primary market areas of Baltimore City and Anne Arundel, Baltimore, Howard and Harford Counties in Maryland.

The BYBK transaction was accounted for using the acquisition method of accounting and, accordingly, assets acquired, liabilities assumed and consideration exchanged were recorded at estimated fair value on the acquisition date. Management made significant estimates and exercised significant judgment in accounting for the acquisition of BYBK. Management judgmentally assigned risk ratings to loans based on appraisals and estimated collateral values, expected cash flows, prepayment speeds and estimated loss factors to measure fair value for loans. Management used quoted or current market prices to determine the fair value of BYBK’s investment securities.

The following table provides the purchase price as of the acquisition date and the identifiable assets acquired and liabilities assumed at their estimated fair values.

Purchase Price Consideration

Cash consideration $
973,383

Purchase price assigned to shares exchanged for stock
142,645,695

Total purchase price for BYBK acquisition
143,619,078

Fair Value of Assets Acquired

Cash and due from banks $
22,590,994

Investment securities
51,895,757

Restricted equity securities, at cost
2,339,700

Loans, net
546,215,988

Premises and equipment
3,127,963

Accrued interest receivable
1,714,054

Accrued taxes receivable
1,912,807

Deferred income taxes
1,219,602

Bank owned life insurance
16,319,198

Other real estate owned
1,041,079

Core deposit intangible
11,243,714

Other assets
1,817,233

Total assets acquired $
661,438,089

Fair Value of Liabilities assumed

Deposits $
541,368,907

Short term borrowings
41,100,000

Other liabilities
4,934,884

Total liabilities assumed $
587,403,791

Fair Value of net assets acquired
74,034,298

Total Purchase Price
143,619,078

Goodwill recorded for BYBK $
69,584,780

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Note 2 - Acquisition of Bay Bancorp, Inc. - Assets and Liabilities Acquired (Details) - USD ($)
9 Months Ended

Apr. 13, 2018

Sep. 30, 2019

Sep. 30, 2018

Total purchase price for BYBK acquisition $ 143,619,078

Fair Value of Liabilities assumed

Total liabilities assumed 587,403,791

Total Purchase Price $ 143,619,078

Bay Bancorp, Inc [Member]

Cash consideration $ 973,383

Purchase price assigned to shares exchanged for stock 142,645,695

Total purchase price for BYBK acquisition 143,619,078

Cash and due from banks 22,590,994

Investment securities 51,895,757

Restricted equity securities, at cost 2,339,700

Loans, net 546,215,988

Premises and equipment 3,127,963

Accrued interest receivable 1,714,054

Accrued taxes receivable 1,912,807

Deferred income taxes 1,219,602

Bank owned life insurance 16,319,198

Other real estate owned 1,041,079

Core deposit intangible 11,243,714

Other assets 1,817,233

Total assets acquired 661,438,089

Fair Value of Liabilities assumed

Deposits 541,368,907

Short term borrowings 41,100,000

Other liabilities 4,934,884

Total liabilities assumed 587,403,791

Fair Value of net assets acquired 74,034,298

Total Purchase Price 143,619,078

Goodwill recorded for BYBK $ 69,584,780

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Note 3 - Investment Securities - Contractual Maturities (Details)

Sep. 30, 2019

USD ($)

Within one year, amortized cost $ 5,497,172

Within one year, fair value 5,501,382

Over one to five years, amortized cost 7,291,284

Over one to five years, fair value 7,307,682

Over five to ten years, amortized cost 89,753,727

Over five to ten years, fair value 91,175,688

Over ten years, amortized cost 164,479,261

Over ten years, fair value 164,549,923

Total, amortized cost 267,021,444

Total, fair value 268,534,675

Pledged securities, amortized cost 121,507,956

Pledged securities, fair value $ 120,840,383

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Note 11 - Leases (Details Textual)

Sep. 30, 2019

Minimum [Member]

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Lessee, Operating Lease, Renewal Term 5 years

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Note 8 - Fair Value Measurement - Loan Fair Value on a Non-recurring Basis (Details) - USD ($)

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Dec. 31, 2018

Impaired Loans $ 9,766,426 $ 9,168,226

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Fair Value, Nonrecurring [Member]

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Total 12,134,000 7,522,000

Fair Value, Nonrecurring [Member] | Fair Value, Inputs, Level 1 [Member]

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Consolidated Statement of Changes in Stockholders' Equity (Unaudited) (Parentheticals) - $ / shares
3 Months Ended

Sep. 30, 2019

Jun. 30, 2019

Mar. 31, 2019

Sep. 30, 2018

Jun. 30, 2018

Mar. 31, 2018

Retained Earnings [Member]

Dividends per common share (in dollars per share) $ 0.12 $ 0.12 $ 0.12 $ 0.08

Dividends per common share (in dollars per share) $ 0.10 $ 0.10

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Aggregate dividends paid during the period for each share of common stock outstanding.
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Note 6 - Earnings Per Common Share - Weighted Average Number of Shares (Details) - shares
3 Months Ended 9 Months Ended

Sep. 30, 2019

Sep. 30, 2018

Sep. 30, 2019

Sep. 30, 2018

Weighted average number of shares (in shares) 16,999,146 16,988,883 17,021,359 15,277,219

Dilutive average number of shares (in shares) 17,129,181 17,187,837 17,146,723 15,485,452

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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.
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Consolidated Statements of Income (Unaudited) - USD ($)
3 Months Ended 9 Months Ended

Sep. 30, 2019

Sep. 30, 2018

Sep. 30, 2019

Sep. 30, 2018

Interest Income

Loans, including fees $ 29,125,029 $ 29,056,814 $ 87,101,189 $ 75,206,303

U.S. Treasury securities 16,156 16,325 48,423 42,953

U.S. government agency securities 527,463 89,953 1,576,012 262,905

Corporate bonds 258,924 200,394 776,942 607,601

Foreign bonds 41,318 21,601 93,964 35,979

Mortgage backed securities 593,737 563,384 1,933,777 1,690,299

Municipal securities 488,275 498,200 1,476,610 1,498,163

Federal funds sold 2,853 3,553 11,642 7,079

Other 293,179 303,100 941,570 895,099

Total interest income 31,346,934 30,753,324 93,960,129 80,246,381

Interest expense

Deposits 6,119,906 4,098,787 17,840,233 9,551,755

Borrowed funds 1,678,093 1,768,532 5,791,436 4,817,613

Total interest expense 7,797,999 5,867,319 23,631,669 14,369,368

Net interest income 23,548,935 24,886,005 70,328,460 65,877,013

Provision for loan losses 456,000 307,870 942,758 1,235,023

Net interest income after provision for loan losses 23,092,935 24,578,135 69,385,702 64,641,990

Non-interest income

Account service charges 709,302 728,550 2,049,185 2,028,013

Point of sale sponsorship program 688,188 711,577 1,925,005 1,385,079

Gain on sales or calls of investment securities 544,259 560,186

Earnings on bank owned life insurance 528,512 520,785 1,547,445 1,274,777

Gain (loss) on disposal of assets (1,100) 32,599 13,266

Loss on write down of stock (91,498) (152,496)

Rental income 214,315 204,714 644,945 602,208

Income on marketable loans 990,474 411,850 2,329,160 1,342,201

Total non-interest income 4,057,497 2,805,335 10,078,048 7,788,407

Non-interest expense

Salaries and benefits 7,717,352 7,491,736 22,451,706 20,178,521

Occupancy and equipment 2,337,124 2,349,691 7,185,918 6,572,733

Data processing 782,593 659,926 2,270,503 1,971,747

FDIC insurance and State of Maryland assessments 62,535 278,109 571,151 786,506

Merger and integration 2,282,705 9,404,507

Core deposit premium amortization 654,046 663,685 1,961,631 1,516,734

Loss on sales of other real estate owned 26,266 80,738

OREO expense (income) 59,272 (99,957) 126,771 113,032

Directors fees 166,050 172,550 515,550 539,750

Network services 119,144 127,226 349,909 302,038

Other operating 2,715,009 2,441,331 7,678,720 6,539,421

Total non-interest expense 14,834,418 16,662,338 43,814,849 48,731,703

Income before income taxes 12,316,014 10,721,132 35,648,901 23,698,694

Income tax expense 3,131,785 2,456,303 9,048,418 6,642,850

Net income $ 9,184,229 $ 8,264,829 $ 26,600,483 $ 17,055,844

Basic earnings per common share (in dollars per share) $ 0.54 $ 0.49 $ 1.56 $ 1.12

Diluted earnings per common share (in dollars per share) $ 0.54 $ 0.48 $ 1.55 $ 1.10

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Income $ 382,447 $ 320,457 $ 989,523 $ 1,295,359

Public Utilities [Member]

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Note 4 - Loans - Impaired Loans (Details) - USD ($)
3 Months Ended 9 Months Ended 12 Months Ended

Sep. 30, 2019

Sep. 30, 2019

Dec. 31, 2018

Related allowance $ 386,407 $ 386,407 $ 520,168

Unpaid principal balance, total 11,723,313 11,723,313 9,619,093

Recorded investment, total 9,766,426 9,766,426 9,168,226

Average recorded investment, total 12,128,371 12,178,352 10,228,344

Interest income recognized, total 78,387 329,835 294,912

Financial Asset Originated [Member]

Related allowance 165,373 165,373 53,985

Unpaid principal balance, total 8,102,728 8,102,728 4,808,509

Recorded investment, total 6,440,824 6,440,824 4,808,509

Average recorded investment, total 8,163,306 8,156,719 4,938,812

Interest income recognized, total 41,856 186,584 198,805

Financial Assets Acquired [Member]

Related allowance ^[1] 221,034 221,034 466,183

Unpaid principal balance, total ^[1] 3,620,585 3,620,585 4,810,584

Recorded investment, total ^[1] 3,325,602 3,325,602 4,359,717

Average recorded investment, total ^[1] 3,965,065 4,021,633 5,289,532

Interest income recognized, total ^[1] 36,531 143,251 96,107

Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member] | Financial Asset Originated [Member]

Unpaid principal balance, with no related allowance recorded 4,388,978 4,388,978 1,737,394

Recorded investment, with no related allowance recorded 4,388,978 4,388,978 1,737,394

Average recorded investment, with no related allowance recorded 4,408,758 4,390,510 1,766,117

Interest income recognized, with no related allowance recorded 26,298 113,063 74,203

Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member] | Financial Assets Acquired [Member]

Unpaid principal balance, with no related allowance recorded ^[1] 268,416 268,416 283,083

Recorded investment, with no related allowance recorded ^[1] 268,416 268,416 232,635

Average recorded investment, with no related allowance recorded ^[1] 268,197 267,605 542,654

Interest income recognized, with no related allowance recorded ^[1] 3,281

Commercial Real Estate Portfolio Segment [Member] | Investment [Member] | Financial Asset Originated [Member]

Unpaid principal balance, with no related allowance recorded 1,661,904 1,661,904 1,688,661

Recorded investment, with no related allowance recorded 1,688,661

Average recorded investment, with no related allowance recorded 1,665,461 1,672,558 1,716,183

Interest income recognized, with no related allowance recorded 6,348 37,937 88,410

Commercial Real Estate Portfolio Segment [Member] | Investment [Member] | Financial Assets Acquired [Member]

Unpaid principal balance, with no related allowance recorded ^[1] 72,408 72,408

Recorded investment, with no related allowance recorded ^[1] 72,408 72,408

Average recorded investment, with no related allowance recorded ^[1] 163,876 163,876

Interest income recognized, with no related allowance recorded ^[1]

Unpaid principal balance, with an allowance recorded ^[1] 72,408

Recorded investment, with an allowance recorded ^[1] 72,408

Related allowance ^[1] 14,340

Average recorded investment, with an allowance recorded ^[1] 163,876

Interest income recognized, with an allowance recorded ^[1] 2,750

Commercial Real Estate Portfolio Segment [Member] | Land and A&D [Member] | Financial Asset Originated [Member]

Unpaid principal balance, with no related allowance recorded 277,704

Recorded investment, with no related allowance recorded 277,704

Average recorded investment, with no related allowance recorded 277,704

Interest income recognized, with no related allowance recorded

Unpaid principal balance, with an allowance recorded 284,179 284,179

Recorded investment, with an allowance recorded 284,179 284,179

Related allowance 35,000 35,000

Average recorded investment, with an allowance recorded 284,179 283,663

Interest income recognized, with an allowance recorded

Commercial Real Estate Portfolio Segment [Member] | Land and A&D [Member] | Financial Assets Acquired [Member]

Unpaid principal balance, with no related allowance recorded ^[1] 52,325 52,325 58,659

Recorded investment, with no related allowance recorded ^[1] 52,325 52,325 58,659

Average recorded investment, with no related allowance recorded ^[1] 59,432 60,299 62,178

Interest income recognized, with no related allowance recorded ^[1] 950 4,168 2,896

Unpaid principal balance, with an allowance recorded ^[1] 293,376 293,376

Recorded investment, with an allowance recorded ^[1] 10,000 10,000

Related allowance ^[1] 10,000 10,000

Average recorded investment, with an allowance recorded ^[1] 293,376 316,506

Interest income recognized, with an allowance recorded ^[1]

Commercial Real Estate Portfolio Segment [Member] | HELOC and Jr Liens [Member] | Financial Assets Acquired [Member]

Unpaid principal balance, with no related allowance recorded ^[1] 575,505 575,505

Recorded investment, with no related allowance recorded ^[1] 575,505 575,505

Average recorded investment, with no related allowance recorded ^[1] 641,739 651,554

Interest income recognized, with no related allowance recorded ^[1] 4,821 20,181

Unpaid principal balance, with an allowance recorded ^[1] 226,635 226,635

Recorded investment, with an allowance recorded ^[1] 226,635 226,635

Related allowance ^[1] 56,048 56,048

Average recorded investment, with an allowance recorded ^[1] 253,151 255,925

Interest income recognized, with an allowance recorded ^[1] 3,674

Residential Portfolio Segment [Member] | Land and A&D [Member] | Financial Assets Acquired [Member]

Unpaid principal balance, with no related allowance recorded ^[1]

Recorded investment, with no related allowance recorded ^[1]

Average recorded investment, with no related allowance recorded ^[1]

Interest income recognized, with no related allowance recorded ^[1]

Unpaid principal balance, with an allowance recorded ^[1] 157,628 157,628 154,297

Recorded investment, with an allowance recorded ^[1] 157,628 157,628 154,297

Related allowance ^[1] 86,434 86,434 99,517

Average recorded investment, with an allowance recorded ^[1] 162,348 161,556 159,819

Interest income recognized, with an allowance recorded ^[1]

Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member] | Financial Asset Originated [Member]

Unpaid principal balance, with no related allowance recorded 554,426 554,426 262,194

Recorded investment, with no related allowance recorded 554,426 554,426 262,194

Average recorded investment, with no related allowance recorded 585,780 594,879 285,514

Interest income recognized, with no related allowance recorded 4,763 17,992 11,412

Unpaid principal balance, with an allowance recorded 141,717 141,717

Recorded investment, with an allowance recorded 141,717 141,717

Related allowance

Average recorded investment, with an allowance recorded 137,449 136,898

Interest income recognized, with an allowance recorded

Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member] | Financial Assets Acquired [Member]

Unpaid principal balance, with no related allowance recorded ^[1] 1,578,372 1,578,372 2,127,854

Recorded investment, with no related allowance recorded ^[1] 1,566,765 1,566,765 2,011,286

Average recorded investment, with no related allowance recorded ^[1] 1,696,380 1,706,748 2,159,327

Interest income recognized, with no related allowance recorded ^[1] 21,155 95,104 38,636

Unpaid principal balance, with an allowance recorded ^[1] 67,633 67,633 459,033

Recorded investment, with an allowance recorded ^[1] 67,633 67,633 459,033

Related allowance ^[1] 26,865 26,865 98,008

Average recorded investment, with an allowance recorded ^[1] 68,922 69,375 482,422

Interest income recognized, with an allowance recorded ^[1] 719 2,532 7,695

Residential Portfolio Segment [Member] | Residential First Investment [Member] | Financial Asset Originated [Member]

Unpaid principal balance, with no related allowance recorded 177,569 177,569

Recorded investment, with no related allowance recorded 177,569 177,569

Average recorded investment, with no related allowance recorded 177,569 178,361

Interest income recognized, with no related allowance recorded 4,344

Unpaid principal balance, with an allowance recorded 214,921 214,921 192,501

Recorded investment, with an allowance recorded 214,921 214,921 192,501

Related allowance 36,621 36,621 39,420

Average recorded investment, with an allowance recorded 213,397 199,543 192,501

Interest income recognized, with an allowance recorded

Residential Portfolio Segment [Member] | Residential First Investment [Member] | Financial Assets Acquired [Member]

Unpaid principal balance, with no related allowance recorded ^[1]

Recorded investment, with no related allowance recorded

Average recorded investment, with no related allowance recorded ^[1]

Interest income recognized, with no related allowance recorded ^[1]

Unpaid principal balance, with an allowance recorded ^[1] 131,636 131,636 298,187

Recorded investment, with an allowance recorded ^[1] 131,636 131,636 298,187

Related allowance ^[1] 35,160 35,160 62,701

Average recorded investment, with an allowance recorded ^[1] 139,152 135,530 310,862

Interest income recognized, with an allowance recorded ^[1] 6,397 7,905 7,871

Residential Portfolio Segment [Member] | HELOC and Jr Liens [Member] | Financial Assets Acquired [Member]

Unpaid principal balance, with an allowance recorded 533,565

Recorded investment, with an allowance recorded 533,565

Related allowance 78,814

Average recorded investment, with an allowance recorded 534,204

Interest income recognized, with an allowance recorded 12,254

Commercial Portfolio Segment [Member] | Financial Asset Originated [Member]

Unpaid principal balance, with no related allowance recorded 388,132 388,132 486,048

Recorded investment, with no related allowance recorded 388,132 388,132 486,048

Average recorded investment, with no related allowance recorded 396,657 404,026 509,971

Interest income recognized, with no related allowance recorded 3,817 10,573 18,595

Unpaid principal balance, with an allowance recorded 261,831 261,831 148,349

Recorded investment, with an allowance recorded 261,831 261,831 148,349

Related allowance 92,424 92,424 13,149

Average recorded investment, with an allowance recorded 262,469 263,095 152,898

Interest income recognized, with an allowance recorded 402 3,926

Commercial Portfolio Segment [Member] | Financial Assets Acquired [Member]

Unpaid principal balance, with no related allowance recorded ^[1]

Recorded investment, with no related allowance recorded ^[1]

Average recorded investment, with no related allowance recorded ^[1]

Interest income recognized, with no related allowance recorded ^[1]

Unpaid principal balance, with an allowance recorded ^[1] 84,995 84,995 48,750

Recorded investment, with an allowance recorded ^[1] 84,995 84,995 48,750

Related allowance ^[1] 4,435 4,435 48,750

Average recorded investment, with an allowance recorded ^[1] 84,898 85,797 48,750

Interest income recognized, with an allowance recorded ^[1] 1,341 237

Consumer Portfolio Segment [Member] | Financial Asset Originated [Member]

Unpaid principal balance, with no related allowance recorded 18,371 18,371 1,495

Recorded investment, with no related allowance recorded 18,371 18,371 1,495

Average recorded investment, with no related allowance recorded 19,857 20,986 10,707

Interest income recognized, with no related allowance recorded 473 1,346 1,130

Unpaid principal balance, with an allowance recorded 10,700 10,700 14,163

Recorded investment, with an allowance recorded 10,700 10,700 14,163

Related allowance 1,328 1,328 1,416

Average recorded investment, with an allowance recorded 11,730 12,200 27,217

Interest income recognized, with an allowance recorded 157 927 1,129

Consumer Portfolio Segment [Member] | Financial Assets Acquired [Member]

Unpaid principal balance, with no related allowance recorded ^[1] 93,903 93,903 22,139

Recorded investment, with no related allowance recorded 93,903 93,903 22,139

Average recorded investment, with no related allowance recorded ^[1] 107,108 119,554 26,027

Interest income recognized, with no related allowance recorded ^[1] 2,489 7,692 364

Unpaid principal balance, with an allowance recorded ^[1] 17,753 17,753 188,102

Recorded investment, with an allowance recorded ^[1] 17,753 17,753 188,102

Related allowance ^[1] 2,092 2,092 19,053

Average recorded investment, with an allowance recorded ^[1] 26,486 27,308 231,978

Interest income recognized, with an allowance recorded ^[1] $ 654 $ 11,619

[1] U.S. GAAP requires that we record acquired loans at fair value at acquisition, which includes a discount for loans with credit impairment. These purchased credit impaired loans are not performing according to their contractual terms and meet the definition of an impaired loan. Although we do not accrue interest income at the contractual rate on these loans, we do recognize an accretable yield as interest income to the extent such yield is supported by cash flow analysis of the underlying loans

X

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Note 4 - Loans - Allowance for Loan Losses Activity (Details) - USD ($)
3 Months Ended 9 Months Ended

Sep. 30, 2019

Sep. 30, 2018

Sep. 30, 2019

Sep. 30, 2018

Sep. 30, 2019

Sep. 30, 2018

Beginning balance $ 7,889,735 $ 6,704,577 $ 7,471,023 $ 5,920,586

Provision for loan losses 456,000 307,870 942,758 1,235,023

Recoveries 26,360 74,482 124,073 97,513

Total 8,372,095 7,086,929 8,537,854 7,253,122

Loans charged off (370,743) (106,879) (536,502) (273,072)

Loans held for investment, allowance for loan losses 8,001,352 6,704,577 8,001,352 6,980,050 $ 8,001,352 $ 6,980,050

Ending Balance 8,001,352 6,980,050 8,001,352 6,980,050

Financial Asset Originated [Member]

Beginning balance ^[1] 7,004,839

Individually evaluated for impairment 165,373 170,387

Other loans not individually evaluated 7,614,945 6,528,425

Loans held for investment, allowance for loan losses ^[1] 7,780,318 7,780,318 7,780,318

Ending Balance ^[1] 7,780,318 7,780,318

Financial Assets Acquired [Member]

Beginning balance 466,184

Individually evaluated for impairment 221,034 281,238

Loans held for investment, allowance for loan losses 221,034 221,034 221,034

Ending Balance 221,034 221,034

Commercial Portfolio Segment [Member]

Beginning balance 1,665,674 1,680,448 1,562,740 1,262,030

Provision for loan losses (54,913) (141,751) 41,176 273,017

Recoveries 400 65,819 11,353 69,469

Total 1,611,161 1,604,516 1,615,269 1,604,516

Loans charged off (48,750) (52,858)

Loans held for investment, allowance for loan losses 1,665,674 1,680,448 1,562,411 1,604,516 1,562,411 1,604,516

Ending Balance 1,562,411 1,604,516 1,562,411 1,604,516

Commercial Portfolio Segment [Member] | Financial Asset Originated [Member]

Individually evaluated for impairment 92,424 93,892

Other loans not individually evaluated 1,465,552 1,441,108

Commercial Portfolio Segment [Member] | Financial Assets Acquired [Member]

Individually evaluated for impairment 4,435 69,516

Commercial Real Estate Portfolio Segment [Member]

Beginning balance 4,882,255 4,196,752 4,728,694 3,783,735

Provision for loan losses 279,425 303,547 432,152 716,147

Recoveries 417 417 1,251 834

Total 5,162,097 4,500,716 5,162,097 4,500,716

Loans charged off

Loans held for investment, allowance for loan losses 4,882,255 4,196,752 5,162,097 4,500,716 5,162,097 4,500,716

Ending Balance 5,162,097 4,500,716 5,162,097 4,500,716

Commercial Real Estate Portfolio Segment [Member] | Financial Asset Originated [Member]

Individually evaluated for impairment

Other loans not individually evaluated 5,152,097 4,500,716

Commercial Real Estate Portfolio Segment [Member] | Financial Assets Acquired [Member]

Individually evaluated for impairment 10,000

Residential Portfolio Segment [Member]

Beginning balance 1,283,903 749,630 1,081,394 844,355

Provision for loan losses 91,970 34,609 248,477 (70,403)

Recoveries 6,119 3,119 53,149 15,230

Total 1,381,992 787,358 1,383,020 789,182

Loans charged off (165,498) (166,526) (1,824)

Loans held for investment, allowance for loan losses 1,283,903 749,630 1,216,494 787,358 1,216,494 787,358

Ending Balance 1,216,494 787,358 1,216,494 787,358

Residential Portfolio Segment [Member] | Financial Asset Originated [Member]

Individually evaluated for impairment 71,621 76,495

Other loans not individually evaluated 939,200 525,749

Residential Portfolio Segment [Member] | Financial Assets Acquired [Member]

Individually evaluated for impairment 205,673 185,114

Consumer Portfolio Segment [Member]

Beginning balance 57,903 77,747 98,195 30,466

Provision for loan losses 139,518 111,465 220,953 316,262

Recoveries 19,424 5,127 58,320 11,980

Total 216,845 194,339 377,468 358,708

Loans charged off (156,495) (106,879) (317,118) (271,248)

Loans held for investment, allowance for loan losses 57,903 77,747 60,350 87,460 60,350 87,460

Ending Balance $ 60,350 $ 87,460 $ 60,350 $ 87,460

Consumer Portfolio Segment [Member] | Financial Asset Originated [Member]

Individually evaluated for impairment 1,328

Other loans not individually evaluated 58,096 60,852

Consumer Portfolio Segment [Member] | Financial Assets Acquired [Member]

Individually evaluated for impairment $ 926 $ 26,608

[1] As a result of the acquisitions of Maryland Bankcorp, Inc. ("Maryland Bankcorp"), the parent company of Maryland Bank & Trust Company, N.A. ("MB&T"), in April 2011, WSB Holdings Inc., the parent company of The Washington Savings Bank ("WSB"), in May 2013, Regal Bancorp, Inc. ("Regal"), the parent company of Regal Bank & Trust ("Regal Bank"), in December 2015, DCB Bancshares, Inc. ("DCB"), the parent company of Damascus Community Bank ("Damascus"), in July 2017, and BYBK, the parent company of Bay Bank, in April 2018, we have segmented the portfolio into two components, "Legacy" loans originated by Old Line Bank and "Acquired" loans acquired from MB&T, WSB, Regal Bank, Damascus and Bay Bank.

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Note 4 - Loans (Tables)
9 Months Ended

Sep. 30, 2019

Notes Tables

Schedule of Accounts, Notes, Loans and Financing Receivable [Table Text Block]

September 30, 2019 December 31, 2018

Legacy (1) Acquired Total Legacy (1) Acquired Total

Commercial Real Estate

Owner Occupied $
309,452,786
$
124,699,211
$
434,151,997
$
299,266,275
$
140,892,706
$
440,158,981

Investment
662,296,193

175,779,493

838,075,686

592,529,807

195,883,002

788,412,809

Hospitality
231,201,755

18,957,943

250,159,698

172,189,046

13,134,019

185,323,065

Land and A&D
81,167,986

7,034,455

88,202,441

71,908,761

21,760,867

93,669,628

Residential Real Estate

First Lien-Investment
127,305,162

40,180,391

167,485,553

104,084,050

48,483,340

152,567,390

First Lien-Owner Occupied
108,338,535

123,386,650

231,725,185

108,696,078

140,221,589

248,917,667

Residential Land and A&D
42,648,776

10,016,798

52,665,574

42,639,161

16,828,434

59,467,595

HELOC and Jr. Liens
22,149,070

35,570,762

57,719,832

20,749,184

41,939,123

62,688,307

Commercial and Industrial
255,088,072

64,195,020

319,283,092

239,766,662

91,431,724

331,198,386

Consumer
13,004,012

25,708,210

38,712,222

16,289,147

34,919,111

51,208,258

Total loans
1,852,652,347

625,528,933

2,478,181,280

1,668,118,171

745,493,915

2,413,612,086

Allowance for loan losses
(7,780,318
)
(221,034
)
(8,001,352
)
(7,004,839
)
(466,184
)
(7,471,023
)

Deferred loan costs, net
3,742,124

—

3,742,124

3,086,635

—

3,086,635

Net loans $
1,848,614,153
$
625,307,899
$
2,473,922,052
$
1,664,199,967
$
745,027,731
$
2,409,227,698

Financing Receivable, Past Due [Table Text Block]

Age Analysis of Past Due Loans

September 30, 2019 December 31, 2018

Legacy Acquired Total Legacy Acquired Total

Current $
1,841,048,778
$
614,066,133
$
2,455,114,911
$
1,659,191,112
$
729,738,007
$
2,388,929,119

Accruing past due loans:

30 - 89 days past due

Commercial Real Estate:

Owner Occupied
1,692,891

—

1,692,891

3,990,558

—

3,990,558

Investment
1,716,554

3,099,400

4,815,954

1,729,404

3,849,944

5,579,348

Residential Real Estate:

First Lien-Investment
—

479,052

479,052

179,701

896,227

1,075,928

First Lien-Owner Occupied
90,884

1,684,528

1,775,412

94,178

3,062,084

3,156,262

Land and A&D
622,365

—

622,365

883,460

413,191

1,296,651

HELOC and Jr. Liens
100,227

512,939

613,166

119,924

790,989

910,913

Commercial and Industrial
2,615,507

1,253,843

3,869,350

670,318

1,444,347

2,114,665

Consumer
136,811

602,432

739,243

320,071

1,338,813

1,658,884

Total 30 - 89 days past due
6,975,239

7,632,194

14,607,433

7,987,614

11,795,595

19,783,209

90 or more days past due

Commercial Real Estate:

Investment
—

—

—

—

139,247

139,247

Residential Real Estate:

First-Investment
—

83,391

83,391

—

—

—

First Lien-Owner Occupied
—

771,798

771,798

—

103,365

103,365

Commercial and Industrial
58,665

—

58,665

—

—

—

Consumer
15,419

—

15,419

—

54

54

Total 90 or more days past due
74,084

855,189

929,273

—

242,666

242,666

Total accruing past due loans
7,049,323

8,487,383

15,536,706

7,987,614

12,038,261

20,025,875

Recorded Investment Non-accruing loans:

Commercial Real Estate:

Owner Occupied
2,691,810

249,087

2,940,897

—

182,261

182,261

Investment
576,671

52,646

629,317

—

51,070

51,070

Land and A&D
—

10,000

10,000

—

45,000

45,000

Residential Real Estate:

First Lien-Investment
392,490

130,973

523,463

192,501

292,758

485,259

First Lien-Owner Occupied
243,846

1,446,632

1,690,478

262,194

2,027,974

2,290,168

Land and A&D
284,129

199,234

483,363

277,704

201,737

479,441

HELOC and Jr. Liens
—

788,585

788,585

—

690,732

690,732

Commercial and Industrial
336,179

10,435

346,614

191,388

45,269

236,657

Consumer
29,071

87,825

116,896

15,658

180,846

196,504

Non-accruing past due loans:
4,554,196

2,975,417

7,529,613

939,445

3,717,647

4,657,092

Total Loans $
1,852,652,297
$
625,528,933
$
2,478,181,230
$
1,668,118,171
$
745,493,915
$
2,413,612,086

Impaired Financing Receivables [Table Text Block]

Impaired Loans

Three months

September 30, 2019

Nine months

September 30, 2019

Unpaid

Average

Interest

Average

Interest

Principal

Recorded

Related

Recorded

Income

Recorded

Income

Balance

Investment

Allowance

Investment

Recognized

Investment

Recognized

Legacy

With no related allowance recorded:

Commercial Real Estate:

Owner Occupied

$

4,388,978

$

4,388,978

$

—

$

4,408,758

$

26,298

4,390,510

$

113,063

Investment

1,661,904

—

1,665,461

6,348

1,672,558

37,937

Land and A&D

—

—

—

—

—

—

—

Residential Real Estate:

First Lien-Investment

177,569

177,569

—

177,569

—

178,361

4,344

First Lien-Owner Occupied

554,426

554,426

—

585,780

4,763

594,879

17,992

Commercial and Industrial

388,132

388,132

—

396,657

3,817

404,026

10,573

Consumer

18,371

18,371

—

19,857

473

20,986

1,346

With an allowance recorded:

Commercial Real Estate:

Residential Real Estate:

First Lien-Investment

214,921

214,921

36,621

213,397

—

199,543

—

First Lien-Owner Occupied

141,717

141,717

—

137,449

—

136,898

—

Land and A&D

284,179

284,179

35,000

284,179

—

283,663

—

Commercial and Industrial

261,831

261,831

92,424

262,469

—

263,095

402

Consumer

10,700

10,700

1,328

11,730

157

12,200

927

Total legacy impaired

8,102,728

6,440,824

165,373

8,163,306

41,856

8,156,719

186,584

Acquired(1)

With no related allowance recorded:

Commercial Real Estate:

Owner Occupied

268,416

268,416

—

268,197

—

267,605

—

Investment

72,408

72,408

—

163,876

—

163,876

—

Land and A&D

—

—

—

—

—

—

—

Residential Real Estate:

First Lien-Owner Occupied

1,578,372

1,566,765

—

1,696,380

21,155

1,706,748

95,104

First Lien-Investment

—

—

—

—

—

—

—

Land and A&D

52,325

52,325

—

59,432

950

60,299

4,168

HELOC and Jr. Lien

575,505

575,505

—

641,739

4,821

651,554

20,181

Commercial

—

—

—

—

—

—

—

Consumer

93,903

93,903

—

107,108

2,489

119,554

7,692

With an allowance recorded:

Commercial Real Estate:

Investment

—

—

—

—

—

—

—

Land and A&D

293,376

10,000

10,000

293,376

—

316,506

—

Residential Real Estate:

Land and A&D

157,628

157,628

86,434

162,348

—

161,556

—

First Lien-Investment

131,636

131,636

35,160

139,152

6,397

135,530

7,905

First Lien-Owner Occupied

67,633

67,633

26,865

68,922

719

69,375

2,532

HELOC and Jr. Lien

226,635

226,635

56,048

253,151

255,925

3,674

Commercial and Industrial

84,995

84,995

4,435

84,898

—

85,797

1,341

Consumer

17,753

17,753

2,092

26,486

—

27,308

654

Total acquired impaired

3,620,585

3,325,602

221,034

3,965,065

36,531

4,021,633

143,251

Total impaired

$

11,723,313

$

9,766,426

$

386,407

$

12,128,371

$

78,387

12,178,352

$

329,835

Impaired Loans

December 31, 2018

Unpaid

Average

Interest

Principal

Recorded

Related

Recorded

Income

Balance

Investment

Allowance

Investment

Recognized

Legacy

With no related allowance recorded:

Commercial Real Estate:

Owner Occupied $
1,737,394

$
1,737,394

$
—

$
1,766,117

$
74,203

Investment
1,688,661

1,688,661

—

1,716,183

88,410

Residential Real Estate:

First Lien-Owner Occupied
262,194

262,194

—

285,514

11,412

Land and A&D
277,704

277,704

—

277,704

—

Commercial and Industrial
486,048

486,048

—

509,971

18,595

Consumer
1,495

1,495

—

10,707

1,130

With an allowance recorded:

Residential Real Estate:

First Lien-Owner Occupied

First Lien-Investment
192,501

192,501

39,420

192,501

—

Commercial and Industrial
148,349

148,349

13,149

152,898

3,926

Consumer
14,163

14,163

1,416

27,217

1,129

Total legacy impaired
4,808,509

4,808,509

53,985

4,938,812

198,805

Acquired(1)

With no related allowance recorded:

Commercial Real Estate:

Owner Occupied
283,083

232,635

—

542,654

3,281

Residential Real Estate:

First Lien-Owner Occupied
2,127,854

2,011,286

—

2,159,327

38,636

Land and A&D
58,659

58,659

—

62,178

2,896

Consumer
22,139

22,139

—

26,027

364

With an allowance recorded:

Commercial Real Estate:

Owner Occupied

Investment
72,408

72,408

14,340

163,876

2,750

First Lien-Owner Occupied
459,033

459,033

98,008

482,422

7,695

First Lien-Investment
298,187

298,187

62,701

310,862

7,871

Land and A&D
154,297

154,297

99,517

159,819

—

HELOC and Jr. Lien
533,565

533,565

78,814

534,204

12,254

Commercial and Industrial
48,750

48,750

48,750

48,750

237

Consumer
188,102

188,102

19,053

231,978

11,619

Total acquired impaired
4,810,584

4,359,717

466,183

5,289,532

96,107

Total impaired $
9,619,093

$
9,168,226

$
520,168

$
10,228,344

$
294,912

Financing Receivable, Troubled Debt Restructuring [Table Text Block]

Loans Modified as a TDR for the three months ended

September 30, 2019 September 30, 2018

Pre- Post Pre- Post

Modification Modification Modification Modification

Outstanding Outstanding Outstanding Outstanding

Troubled Debt Restructurings—
#of

Recorded

Recorded

#of

Recorded

Recorded

(Dollars in thousands)
Contracts

Investment

Investment

Contracts

Investment

Investment

Legacy

Residential Real Estate Owner Occupied
—

—

—

—

—

—

Total legacy TDRs
—

$
—

$
—

$
—

$
—

Loans Modified as a TDR for the nine months ended

September 30, 2019 September 30, 2018

Pre- Post Pre- Post

Modification Modification Modification Modification

Outstanding Outstanding Outstanding Outstanding

Troubled Debt Restructurings—
#of

Recorded

Recorded

#of

Recorded

Recorded

(Dollars in thousands)
Contracts

Investment

Investment

Contracts

Investment

Investment

Legacy

Consumer
—

—

—

—

28,009

27,009

Total legacy TDRs
—

$
—

$
—

$
28,009

$
27,009

Schedule of Loans and Leases Receivable Outstanding Balances and Related Carrying Amounts for Acquired Impaired Loans [Table Text Block]

September 30, 2019 September 30, 2018

Balance at beginning of period $
124,090
$
115,066

Additions due to BYBK acquisition
—

50,984

Accretion of fair value discounts
(1,375,970
)
(873,308
)

Reclassification (to)/from non-accretable discount
1,334,580

847,153

Balance at end of period $
82,700
$
139,895

Contractually

Required Payments

Receivable Carrying Amount

At September 30, 2019 $
9,125,242
$
7,976,188

At December 31, 2018
11,146,165

9,396,862

At September 30, 2018
17,975,448

14,109,972

At December 31, 2017
8,277,731

6,617,774

Financing Receivable Credit Quality Indicators [Table Text Block]

Account Balance

September 30, 2019 Legacy Acquired Total

Risk Rating

Pass(1 - 5)

Commercial Real Estate:

Owner Occupied $
303,183,923
$
122,143,948
$
425,327,871

Investment
659,590,203

74,557,546

734,147,749

Hospitality
231,201,755

18,957,943

250,159,698

Land and A&D
81,167,986

6,839,775

88,007,761

Residential Real Estate:

First Lien-Investment
126,493,210

37,115,151

163,608,361

First Lien-Owner Occupied
108,036,843

118,639,242

226,676,085

Land and A&D
40,330,083

9,718,740

50,048,823

HELOC and Jr. Liens
22,149,070

33,850,157

55,999,227

Commercial
252,223,178

61,748,358

313,971,536

Consumer
12,974,941

25,495,847

38,470,788

1,837,351,192

509,066,707

2,346,417,899

Special Mention(6)

Commercial Real Estate:

Owner Occupied
408,090

1,261,341

1,669,431

Investment
1,044,086

915,223

1,959,309

Land and A&D
—

184,681

184,681

Residential Real Estate:

First Lien-Investment
280,873

1,746,159

2,027,032

First Lien-Owner Occupied
57,846

1,945,545

2,003,391

Land and A&D
2,034,514

98,824

2,133,338

HELOC and Jr. Liens
—

845,111

845,111

Commercial
1,401,346

2,364,123

3,765,469

Consumer
—

97,199

97,199

5,226,755

9,458,206

14,684,961

Substandard(7)

Commercial Real Estate:

Owner Occupied
5,860,773

1,293,922

7,154,695

Investment
1,661,904

306,724

1,968,628

Land and A&D
—

10,000

10,000

Residential Real Estate:

First Lien-Investment
531,079

1,319,081

1,850,160

First Lien-Owner Occupied
243,846

2,801,863

3,045,709

Land and A&D
284,179

199,234

483,413

HELOC and Jr. Liens
—

875,493

875,493

Commercial
1,463,548

82,539

1,546,087

Consumer
29,071

115,164

144,235

10,074,400

7,004,020

17,078,420

Doubtful(8)
—

—

—

Loss(9)
—

—

—

Total $
1,852,652,347
$
525,528,933
$
2,378,181,280

Account Balance

December 31, 2018 Legacy Acquired Total

Risk Rating

Pass(1 - 5)

Commercial Real Estate:

Owner Occupied $
293,682,007
$
137,978,800
$
431,660,807

Investment
589,763,511

194,092,985

783,856,496

Hospitality
172,189,046

13,134,019

185,323,065

Land and A&D
71,908,761

21,514,420

93,423,181

Residential Real Estate:

First Lien-Investment
103,270,617

45,431,446

148,702,063

First Lien-Owner Occupied
108,371,748

134,959,907

243,331,655

Land and A&D
40,268,376

16,524,667

56,793,043

HELOC and Jr. Liens
20,749,184

41,196,500

61,945,684

Commercial
237,713,832

89,049,308

326,763,140

Consumer
16,273,489

34,674,679

50,948,168

1,654,190,571

728,556,731

2,382,747,302

Special Mention(6)

Commercial Real Estate:

Owner Occupied
420,347

1,303,849

1,724,196

Investment
1,077,635

557,687

1,635,322

Land and A&D
—

201,447

201,447

Residential Real Estate:

First Lien-Investment
289,618

1,709,025

1,998,643

First Lien-Owner Occupied
62,136

1,522,737

1,584,873

Land and A&D
2,093,081

102,030

2,195,111

Commercial
174,729

174,429

349,158

Consumer
—

30,848

30,848

4,117,546

5,602,052

9,719,598

Substandard(7)

Commercial Real Estate:

Owner Occupied
5,163,921

1,610,057

6,773,978

Investment
1,688,661

1,232,330

2,920,991

Land and A&D
—

45,000

45,000

Residential Real Estate:

First Lien-Investment
523,815

1,342,869

1,866,684

First Lien-Owner Occupied
262,194

3,738,945

4,001,139

Land and A&D
277,704

201,737

479,441

HELOC and Jr. Liens
—

742,623

742,623

Commercial
1,878,101

2,207,987

4,086,088

Consumer
15,658

213,584

229,242

9,810,054

11,335,132

21,145,186

Doubtful(8)
—

—

—

Loss(9)
—

—

—

Total $
1,668,118,171
$
745,493,915
$
2,413,612,086

Financing Receivable, Allowance for Credit Loss [Table Text Block]

Commercial Commercial Residential

Three Months Ended September 30, 2019 and Industrial Real Estate Real Estate Consumer Total

Beginning balance $
1,665,674
$
4,882,255
$
1,283,903
$
57,903
$
7,889,735

Provision for loan losses
(54,913
)
279,425

91,970

139,518

456,000

Recoveries
400

417

6,119

19,424

26,360

Total
1,611,161

5,162,097

1,381,992

216,845

8,372,095

Loans charged off
(48,750
)
—

(165,498
)
(156,495
)
(370,743
)

Ending Balance $
1,562,411
$
5,162,097
$
1,216,494
$
60,350
$
8,001,352

Commercial Commercial Residential

Nine Months Ended September 30, 2019 and Industrial Real Estate Real Estate Consumer Total

Beginning balance $
1,562,740
$
4,728,694
$
1,081,394
$
98,195
$
7,471,023

Provision for loan losses
41,176

432,152

248,477

220,953

942,758

Recoveries
11,353

1,251

53,149

58,320

124,073

Total
1,615,269

5,162,097

1,383,020

377,468

8,537,854

Loans charged off
(52,858
)
—

(166,526
)
(317,118
)
(536,502
)

Ending Balance $
1,562,411
$
5,162,097
$
1,216,494
$
60,350
$
8,001,352

Amount allocated to:

Legacy Loans:

Individually evaluated for impairment $
92,424
$
—
$
71,621
$
1,328
$
165,373

Other loans not individually evaluated
1,465,552

5,152,097

939,200

58,096

7,614,945

Acquired Loans:

Individually evaluated for impairment
4,435

10,000

205,673

926

221,034

Ending balance $
1,562,411
$
5,162,097
$
1,216,494
$
60,350
$
8,001,352

Commercial Commercial Residential

Three Months Ended September 30, 2018 and Industrial Real Estate Real Estate Consumer Total

Beginning balance $
1,680,448
$
4,196,752
$
749,630
$
77,747
$
6,704,577

Provision for loan losses
(141,751
)
303,547

34,609

111,465

307,870

Recoveries
65,819

417

3,119

5,127

74,482

Total
1,604,516

4,500,716

787,358

194,339

7,086,929

Loans charged off
—

—

—

(106,879
)
(106,879
)

Ending Balance $
1,604,516
$
4,500,716
$
787,358
$
87,460
$
6,980,050

Commercial Commercial Residential

Nine Months Ended September 30, 2018 and Industrial Real Estate Real Estate Consumer Total

Beginning balance $
1,262,030
$
3,783,735
$
844,355
$
30,466
$
5,920,586

Provision for loan losses
273,017

716,147

(70,403
)
316,262

1,235,023

Recoveries
69,469

834

15,230

11,980

97,513

Total
1,604,516

4,500,716

789,182

358,708

7,253,122

Loans charged off
—

—

(1,824
)
(271,248
)
(273,072
)

Ending Balance $
1,604,516
$
4,500,716
$
787,358
$
87,460
$
6,980,050

Amount allocated to:

Legacy Loans:

Individually evaluated for impairment $
93,892
$
—
$
76,495
$
—
$
170,387

Other loans not individually evaluated
1,441,108

4,500,716

525,749

60,852

6,528,425

Acquired Loans:

Individually evaluated for impairment
69,516

—

185,114

26,608

281,238

Ending balance $
1,604,516
$
4,500,716
$
787,358
$
87,460
$
6,980,050

Schedule of Recorded Investment Based on Impairment Methodology [Table Text Block]

Commercial Commercial Residential

September 30, 2019 and Industrial Real Estate Real Estate Consumer Total

Legacy loans:

Individually evaluated for impairment with specific reserve $
261,831
$
—
$
640,817
$
10,700
$
913,348

Individually evaluated for impairment without specific reserve
388,132

6,050,882

731,995

18,371

7,189,380

Other loans not individually evaluated
254,438,109

1,278,067,839

299,068,731

12,974,940

1,844,549,619

Acquired loans:

Individually evaluated for impairment with specific reserve subsequent to acquisition (ASC 310-20 at acquisition)
84,995

10,000

583,532

17,753

696,280

Individually evaluated for impairment without specific reserve (ASC 310-20 at acquisition)
—

340,824

2,194,595

93,903

2,629,322

Individually evaluated for impairment without specific reserve (ASC 310-30 at acquisition)
172,609

3,234,991

4,568,592

—

7,976,192

Collectively evaluated for impairment without reserve (ASC 310-20 at acquisition)
63,937,416

322,885,287

201,807,881

25,596,555

614,227,139

Ending balance $
319,283,092
$
1,610,589,823
$
509,596,143
$
38,712,222
$
2,478,181,280

Commercial Commercial Residential

September 30, 2018 and Industrial Real Estate Real Estate Consumer Total

Legacy loans:

Individually evaluated for impairment with specific reserve $
93,892
$
—
$
242,592
$
—
$
336,484

Individually evaluated for impairment without specific reserve
509,772

3,453,579

494,423

—

4,457,774

Other loans not individually evaluated
215,125,991

1,113,299,121

258,804,372

17,671,242

1,604,900,726

Acquired loans:

Individually evaluated for impairment with specific reserve subsequent to acquisition (ASC 310-20 at acquisition)
68,888

45,000

407,735

27,009

548,632

Individually evaluated for impairment without specific reserve (ASC 310-20 at acquisition)
167,560

773,457

2,720,353

52,730

3,714,100

Individually evaluated for impairment without specific reserve (ASC 310-30 at acquisition)
559,248

7,872,328

5,664,394

14,000

14,109,970

Collectively evaluated for impairment without reserve (ASC 310-20 at acquisition)
96,617,110

379,553,784

245,912,416

38,603,984

760,687,294

Ending balance $
312,642,461
$
1,504,997,269
$
514,246,285
$
56,368,965
$
2,388,254,980

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Note 12 - Pending Acquisition
9 Months Ended

Sep. 30, 2019

Notes to Financial Statements

Mergers, Acquisitions and Dispositions Disclosures [Text Block]

12.

PENDING ACQUISITION

On
July 23, 2019,
Old Line Bancshares, Old Line Bank, Wesbanco, and Wesbanco Bank, Inc. (“WesBanco Bank”), entered into a definitive Agreement and Plan of Merger (the “Merger Agreement”) pursuant to which WesBanco will acquire Old Line Bancshares for consideration of approximately
$500
million in stock (based on the closing price of WesBanco common stock on
July 22, 2019).
The Merger Agreement, which has been approved by the Boards of Directors of both companies and both banks, also provides that Old Line Bank will be merged with and into WesBanco Bank immediately following the completion of the Merger. All required stockholder approvals of Wesbanco and Old Line Bancshares were obtained on
October 29, 2019.

Consummation of the Merger is subject to certain conditions, including, among others, the receipt of all required regulatory approvals. Please refer to our Current Report on Form
8
-K filed on
July 24, 2019,
for further information and details relating to the Merger Agreement.

We expect that the Merger will be consummated during the
fourth
quarter of
2019.

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Note 11 - Leases (Tables)
9 Months Ended

Sep. 30, 2019

Notes Tables

Lease, Cost [Table Text Block]

Three months ended September 30, 2019 $
744,472

Nine Months ended September 30, 2019 $
2,185,178

Three months ended September 30, 2019

Operating cash flows from operating leases $
670,716

Right-of-use assets obtained in exchange for lease

Operating leases $
466,526

Nine months ended September 30,

Operating cash flows from operating leases $
1,948,934

Right-of-use assets obtained in exchange for lease

Operating leases $
1,356,776

Nine months ended September 30, 2019 2019

Operating lease right-of-use assets $
27,743,459

Lease liabilities $
28,276,343

Weighted Average Remaining Operating Lease Term In Years
12.68

Weighted Average Discount Rate on Operating Leases
3.00
%

Lessee, Operating Lease, Liability, Maturity [Table Text Block]

Operating

Leases

One year or less $
1,902,749

One to three years
4,080,198

Three to five years
4,238,506

Thereafter
18,501,545

Total undiscounted cash flows
28,722,998

Discount of cash flows
(446,655
)

Total lease liability $
28,276,343

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Note 4 - Loans - Loans Held (Details) - USD ($)

Sep. 30, 2019

Jun. 30, 2019

Dec. 31, 2018

Sep. 30, 2018

Jun. 30, 2018

Dec. 31, 2017

Loans $ 2,478,181,230 $ 2,413,612,086 $ 2,388,254,980

Allowance for loan losses (8,001,352) $ (7,889,735) (7,471,023) (6,980,050) $ (6,704,577) $ (5,920,586)

Deferred loan costs, net 3,742,124 3,086,635

Net loans 2,473,922,052 2,409,227,698

Financial Asset Originated [Member]

Loans 1,852,652,297 1,668,118,171

Allowance for loan losses ^[1] (7,780,318) (7,004,839)

Deferred loan costs, net ^[1] 3,742,124 3,086,635

Net loans ^[1] 1,848,614,153 1,664,199,967

Financial Assets Acquired [Member]

Loans 625,528,933 745,493,915

Allowance for loan losses (221,034) (466,184)

Deferred loan costs, net

Net loans 625,307,899 745,027,731

Commercial Real Estate Portfolio Segment [Member]

Loans 1,610,589,823 1,510,000,000 1,504,997,269

Allowance for loan losses (5,162,097) (4,882,255) (4,728,694) (4,500,716) (4,196,752) (3,783,735)

Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member]

Loans 434,151,997 440,158,981

Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member] | Financial Asset Originated [Member]

Loans ^[1] 309,452,786 299,266,275

Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member] | Financial Assets Acquired [Member]

Loans 124,699,211 140,892,706

Commercial Real Estate Portfolio Segment [Member] | Investment [Member]

Loans 838,075,686 788,412,809

Commercial Real Estate Portfolio Segment [Member] | Investment [Member] | Financial Asset Originated [Member]

Loans ^[1] 662,296,193 592,529,807

Commercial Real Estate Portfolio Segment [Member] | Investment [Member] | Financial Assets Acquired [Member]

Loans 175,779,493 195,883,002

Commercial Real Estate Portfolio Segment [Member] | Hospitality Industry [Member]

Loans 250,159,698 185,323,065

Commercial Real Estate Portfolio Segment [Member] | Hospitality Industry [Member] | Financial Asset Originated [Member]

Loans ^[1] 231,201,755 172,189,046

Commercial Real Estate Portfolio Segment [Member] | Hospitality Industry [Member] | Financial Assets Acquired [Member]

Loans 18,957,943 13,134,019

Commercial Real Estate Portfolio Segment [Member] | Land and A&D [Member]

Loans 88,202,441 93,669,628

Commercial Real Estate Portfolio Segment [Member] | Land and A&D [Member] | Financial Asset Originated [Member]

Loans ^[1] 81,167,986 71,908,761

Commercial Real Estate Portfolio Segment [Member] | Land and A&D [Member] | Financial Assets Acquired [Member]

Loans 7,034,455 21,760,867

Residential Portfolio Segment [Member]

Loans 509,596,143 523,600,000 514,246,285

Allowance for loan losses (1,216,494) (1,283,903) (1,081,394) (787,358) (749,630) (844,355)

Residential Portfolio Segment [Member] | Residential First Investment [Member]

Loans 167,485,553 152,567,390

Residential Portfolio Segment [Member] | Residential First Investment [Member] | Financial Asset Originated [Member]

Loans ^[1] 127,305,162 104,084,050

Residential Portfolio Segment [Member] | Residential First Investment [Member] | Financial Assets Acquired [Member]

Loans 40,180,391 48,483,340

Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member]

Loans 231,725,185 248,917,667

Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member] | Financial Asset Originated [Member]

Loans ^[1] 108,338,535 108,696,078

Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member] | Financial Assets Acquired [Member]

Loans 123,386,650 140,221,589

Residential Portfolio Segment [Member] | Residential Land and A&D [Member]

Loans 52,665,574 59,467,595

Residential Portfolio Segment [Member] | Residential Land and A&D [Member] | Financial Asset Originated [Member]

Loans ^[1] 42,648,776 42,639,161

Residential Portfolio Segment [Member] | Residential Land and A&D [Member] | Financial Assets Acquired [Member]

Loans 10,016,798 16,828,434

Residential Portfolio Segment [Member] | HELOC and Jr Liens [Member]

Loans 57,719,832 62,688,307

Residential Portfolio Segment [Member] | HELOC and Jr Liens [Member] | Financial Asset Originated [Member]

Loans ^[1] 22,149,070 20,749,184

Residential Portfolio Segment [Member] | HELOC and Jr Liens [Member] | Financial Assets Acquired [Member]

Loans 35,570,762 41,939,123

Commercial and Industrial [Member]

Loans 319,283,092 331,198,386

Commercial and Industrial [Member] | Financial Asset Originated [Member]

Loans ^[1] 255,088,072 239,766,662

Commercial and Industrial [Member] | Financial Assets Acquired [Member]

Loans 64,195,020 91,431,724

Consumer Portfolio Segment [Member]

Loans 38,712,222 51,208,258 56,368,965

Allowance for loan losses (60,350) $ (57,903) (98,195) $ (87,460) $ (77,747) $ (30,466)

Consumer Portfolio Segment [Member] | Financial Asset Originated [Member]

Loans ^[1] 13,004,012 16,289,147

Consumer Portfolio Segment [Member] | Financial Assets Acquired [Member]

Loans $ 25,708,210 $ 34,919,111

[1] As a result of the acquisitions of Maryland Bankcorp, Inc. ("Maryland Bankcorp"), the parent company of Maryland Bank & Trust Company, N.A. ("MB&T"), in April 2011, WSB Holdings Inc., the parent company of The Washington Savings Bank ("WSB"), in May 2013, Regal Bancorp, Inc. ("Regal"), the parent company of Regal Bank & Trust ("Regal Bank"), in December 2015, DCB Bancshares, Inc. ("DCB"), the parent company of Damascus Community Bank ("Damascus"), in July 2017, and BYBK, the parent company of Bay Bank, in April 2018, we have segmented the portfolio into two components, "Legacy" loans originated by Old Line Bank and "Acquired" loans acquired from MB&T, WSB, Regal Bank, Damascus and Bay Bank.

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Note 1 - Summary of Significant Accounting Policies (Details Textual) - USD ($)

Sep. 30, 2019

Jan. 01, 2019

Operating Lease, Right-of-Use Asset $ 27,743,459

Operating Lease, Liability, Total $ 28,276,343

Accounting Standards Update 2016-02 [Member]

Operating Lease, Right-of-Use Asset $ 26,200,000

Operating Lease, Liability, Total $ 26,500,000

X

- Definition
Present value of lessee's discounted obligation for lease payments from operating lease.
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Note 3 - Investment Securities - Amortized Cost and Fair Value (Details) - USD ($)

Sep. 30, 2019

Dec. 31, 2018

Amortized cost $ 267,021,444 $ 227,334,141

Gross unrealized gains 2,938,706 248,143

Gross unrealized losses (1,425,475) (7,876,522)

Estimated fair value 268,534,675 219,705,762

Investment securities available for sale-at fair value 268,534,675 219,705,762

Gross unrealized gains (2,938,706) (248,143)

US Treasury Securities [Member]

Amortized cost 2,992,763 3,003,410

Gross unrealized gains 3,018

Gross unrealized losses (10,910)

Estimated fair value 2,995,781 2,992,500

Investment securities available for sale-at fair value 2,995,781 2,992,500

Gross unrealized gains (3,018)

US Government Agencies Debt Securities [Member]

Amortized cost 59,034,066 19,123,653

Gross unrealized gains 1,126,506

Gross unrealized losses (23,138) (517,475)

Estimated fair value 60,137,434 18,606,178

Investment securities available for sale-at fair value 60,137,434 18,606,178

Gross unrealized gains (1,126,506)

Corporate Debt Securities [Member]

Amortized cost 18,611,304 18,615,768

Gross unrealized gains 387,435 227,691

Gross unrealized losses (4,231)

Estimated fair value 18,998,739 18,839,228

Investment securities available for sale-at fair value 18,998,739 18,839,228

Gross unrealized gains (387,435) (227,691)

Foreign Debt Securities [Member]

Amortized cost 7,000,000 3,500,000

Gross unrealized gains 2,025 98

Gross unrealized losses (17)

Estimated fair value 7,002,008 3,500,098

Investment securities available for sale-at fair value 7,002,008 3,500,098

Gross unrealized gains (2,025) (98)

US States and Political Subdivisions Debt Securities [Member]

Amortized cost 77,726,662 79,416,920

Gross unrealized gains 1,168,288 19,392

Gross unrealized losses (382) (2,147,608)

Estimated fair value 78,894,568 77,288,704

Investment securities available for sale-at fair value 78,894,568 77,288,704

Gross unrealized gains (1,168,288) (19,392)

Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member]

Amortized cost 17,009,957 19,079,921

Gross unrealized gains 19,704 962

Gross unrealized losses (301,524) (1,007,115)

Estimated fair value 16,728,137 18,073,768

Investment securities available for sale-at fair value 16,728,137 18,073,768

Gross unrealized gains (19,704) (962)

Federal National Mortgage Association Certificates and Obligations (FNMA) [Member]

Amortized cost 58,733,502 56,720,930

Gross unrealized gains 151,114

Gross unrealized losses (945,451) (3,062,170)

Estimated fair value 57,939,165 53,658,760

Investment securities available for sale-at fair value 57,939,165 53,658,760

Gross unrealized gains (151,114)

Government National Mortgage Association Certificates and Obligations (GNMA) [Member]

Amortized cost 25,913,190 27,873,539

Gross unrealized gains 80,616

Gross unrealized losses (154,963) (1,127,013)

Estimated fair value 25,838,843 26,746,526

Investment securities available for sale-at fair value 25,838,843 26,746,526

Gross unrealized gains $ (80,616)

X

- Definition
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Note 8 - Fair Value Measurement
9 Months Ended

Sep. 30, 2019

Notes to Financial Statements

Fair Value Disclosures [Text Block]

8.

FAIR VALUE MEASUREMENT

The fair value of an asset or liability is the price that participants would receive to sell an asset or pay to transfer a liability in an orderly transaction between market participants. A fair value measurement assumes that the transaction to sell the asset or transfer the liability occurs in the principal market for the asset or liability, or, in the absence of a principal market, the most advantageous market for the asset or liability. The price in the principal (or most advantageous) market used to measure the fair value of the asset or liability shall
not
be adjusted for transaction costs. An orderly transaction is a transaction that assumes exposure to the market for a period prior to the measurement date to allow for marketing activities that are usual and customary for transactions involving such assets and liabilities; it is
not
a forced transaction. Market participants are buyers and sellers in the principal market that are (i) independent, (ii) knowledgeable, (iii) able to transact and (iv) willing to transact.

The fair value hierarchy established by accounting standards defines
three
input levels for fair value measurement. The applicable standard describes
three
levels of inputs that
may
be used to measure fair value: Level
1
is based on quoted market prices in active markets for identical assets. Level
2
is based on significant observable inputs other than Level
1
prices. Level
3
is based on significant unobservable inputs that reflect a company’s own assumptions about the assumption that market participants would use in pricing an asset or liability. We evaluate fair value measurement inputs on an ongoing basis in order to determine if there is a change of sufficient significance to warrant a transfer between levels. There were
no
transfers between levels during the
three
and
nine
months ended
September 30, 2019
or the year ended
December 31, 2018.

At
September 30, 2019,
we hold, as part of our investment portfolio, available for sale securities reported at fair value consisting of municipal securities, U.S. government sponsored entities, corporate bonds, and MBS. Prior to
September 30, 2019,
corporate bonds included our foreign debt securities (Israel bonds) that we have now moved into a separate classification. The fair value of the majority of these securities is determined using widely accepted valuation techniques including matrix pricing and broker quote-based applications. Inputs include benchmark yields, reported trades, issuer spreads, prepayments speeds and other relevant items, which inputs are used by a
third
-party pricing service we use to make these determinations.

To validate the appropriateness of the valuations provided by the
third
party, we regularly update the understanding of the inputs used and compare valuations to an additional
third
party source. We classify all our investment securities available for sale in Level
2
of the fair value hierarchy, with the exception of treasury securities, which fall into Level
1,
and our corporate bonds and our foreign debt securities, which fall into Level
3.

Assets and Liabilities Measured at Fair Value on a Recurring Basis

At September 30, 2019 (In thousands)

Quoted Prices in Other Significant Total Changes

Active Markets for Observable Unobservable in Fair Values

Identical Assets Inputs Inputs Included in

Carrying Value (Level 1) (Level 2) (Level 3) Period Earnings

Available-for-sale:

Treasury securities $
2,996
$
2,996
$
—
$
—
$
—

U.S. government agency
60,137

—

60,137

—

—

Corporate bonds
18,999

—

—

18,999

—

Foreign debt securities
7,002

—

—

7,002

Municipal securities
78,895

—

78,895

—

—

FHLMC MBS
16,728

—

16,728

—

—

FNMA MBS
57,939

—

57,939

—

—

GNMA MBS
25,839

—

25,839

—

—

Total recurring assets at fair value $
268,535
$
2,996
$
239,538
$
26,001
$
—

At December 31, 2018 (In thousands)

Quoted Prices in Other Significant Total Changes

Active Markets for Observable Unobservable in Fair Values

Identical Assets Inputs Inputs Included in

Carrying Value (Level 1) (Level 2) (Level 3) Period Earnings

Available-for-sale:

Treasury securities $
2,993
$
2,993
$
—
$
—
$
—

U.S. government agency
18,606

—

18,606

—

—

Corporate bonds
18,843

—

—

18,843

—

Foreign debt securities
3,496

—

—

3,496

—

Municipal securities
77,289

—

77,289

—

—

FHLMC MBS
18,074

—

18,074

—

—

FNMA MBS
53,659

—

53,659

—

—

GNMA MBS
26,746

—

26,746

—

—

Total recurring assets at fair value $
219,706
$
2,993
$
194,374
$
22,339
$
—

Our valuation methodologies
may
produce a fair value calculation that
may
not
be indicative of net realizable value or reflective of future fair values. While management believes our methodologies are appropriate and consistent with other market participants, the use of different methodologies or assumptions to determine the fair value of certain financial instruments could result in a different estimate of fair value. Furthermore, we have
not
comprehensively revalued the fair value amounts since the presentation dates, and therefore, estimates of fair value after the balance sheet date
may
differ significantly from the above presented amounts.

The fair value of the majority of the securities in significant unobservable inputs (Level
3
) is determined using widely accepted valuation techniques including matrix pricing and broker-quote based applications. Inputs include benchmark yields, reported trades, issuer spreads, prepayments speeds and other relevant items, which inputs are used by a
third
-party pricing service we use to make these determinations.

The following table provides a reconciliation of changes in fair value included in assets measured in the Consolidated Balance Sheet using inputs classified as level
3
in the fair value for the period indicated:

(in thousands) Level 3

Investment available-for-sale

Balance as of January 1, 2019 $
22,339

Realized and unrealized gains (losses)

Included in earnings
—

Included in other comprehensive income
162

Purchases, issuances, sales and settlements
3,500

Transfers into or out of level 3
—

Balance at September 30, 2019 $
26,001

The fair value calculated
may
not
be indicative of net realized value or reflective of future fair values.

Assets and Liabilities Measured at Fair Value on a Nonrecurring Basis

We
may
be required, from time to time, to measure certain assets at fair value on a non-recurring basis in accordance with U.S. GAAP. These include assets that are measured at the lower of cost or market that were recognized at fair value below cost at the end of the period. Assets measured at fair value on a nonrecurring basis at
September 30, 2019
and
December 31, 2018
are included in the tables below.

We also measure certain non-financial assets such as OREO, TDRs, and repossessed or foreclosed property at fair value on a non-recurring basis. Generally, we estimate the fair value of these items using Level
2
inputs based on observable market data or Level
3
inputs based on discounting criteria.

At September 30, 2019 (In thousands)

Quoted Prices in Other Significant

Active Markets for Observable Unobservable

Identical Assets Inputs Inputs

Carrying Value (Level 1) (Level 2) (Level 3)

Impaired Loans

Legacy: $
7,933

—

—
$
7,933

Acquired:
3,109

—

—

3,109

Total Impaired Loans
11,042

—

—

11,042

Other real estate owned:

Legacy: $
—

—

—
$
—

Acquired:
1,092

—

—

1,092

Total other real estate owned:
1,092

—

—

1,092

Total $
12,134
$
—
$
—
$
12,134

At December 31, 2018 (In thousands)

Quoted Prices in Other Significant

Active Markets for Observable Unobservable

Identical Assets Inputs Inputs

Carrying Value (Level 1) (Level 2) (Level 3)

Impaired Loans

Legacy: $
2,745

—

—
$
2,745

Acquired:
3,894

—

—

3,894

Total Impaired Loans
6,639

—

—

6,639

Other real estate owned:

Legacy: $
—

—

—
$
—

Acquired:
883

—

—

883

Total other real estate owned:
883

—

—

883

Total $
7,522
$
—
$
—
$
7,522

As of
September 30, 2019,
and
December 31, 2018,
we estimated the fair value of impaired assets using Level
3
inputs to be
$12.1
million and
$7.5
million, respectively. We determined these Level
3
inputs based on appraisal evaluations, offers to purchase and/or appraisals that we obtained from an outside
third
party during the preceding
twelve
months less costs to sell. Discounts have predominantly been in the range of
0%
to
50%.
As a result of the acquisitions of Maryland Bankcorp, WSB Holdings, Regal, DCB and BYBK, we have segmented the impaired loans and OREO into
two
components, impaired assets obtained as a result of loans originated by Old Line Bank (legacy) and impaired assets acquired from MB&T, WSB, Regal Bank, DCB and Bay Bank or obtained as a result of loans originated by MB&T, WSB, Regal Bank and Bay Bank (acquired).

The following presents the carrying amount, fair value, and placement in the fair value hierarchy of Old Line Bancshares’ financial instruments
not
recorded at fair value on a recurring or non-recurring basis as of
September 30, 2019
and
December
31,

2018.
For short term financial assets such as cash and cash equivalents, the carrying amount is a reasonable estimate of fair value due to the relatively short time between the origination of the instrument and its expected realization. For non-marketable equity securities, the carrying amount is a reasonable estimate of fair value as these securities can only be redeemed or sold at their par value and only to the respective issuing government-supported institution or to another member institution. For net loans receivable, an exit price notion is used consistent with ASC Topic
820
-
Fair Value Measurement
. For financial liabilities such as noninterest-bearing demand, interest bearing demand, and savings deposits, the carrying amount is a reasonable estimate of fair value due to these products having
no
stated maturity.

September 30, 2019 (in thousands)

Quoted Prices Significant Significant

Total

in Active

Other

Other

Carrying

Estimated

Markets for

Observable

Unobservable

Amount

Fair

Identical Assets

Inputs

Inputs

(000’s)

Value

(Level 1)

(Level 2)

(Level 3)

Assets:

Cash and cash equivalents $
47,001

$
47,001

$
47,001

$
—

$
—

Loans receivable, net
2,473,922

2,478,723

—

—

2,478,723

Loans held for sale
22,534

22,669

—

22,669

—

Equity Securities at cost
10,887

10,887

—

10,887

—

Accrued interest receivable
7,961

7,961

—

1,650

6,311

Liabilities:

Deposits:

Non-interest-bearing
620,136

620,136

—

620,136

—

Interest bearing
1,793,209

1,810,152

—

1,810,152

—

Short term borrowings
204,379

204,379

—

204,379

—

Long term borrowings
38,569

38,569

—

38,569

—

Accrued interest payable
2,453

2,453

—

2,453

—

December 31, 2018 (in thousands)

Quoted Prices Significant Significant

Total

in Active

Other

Other

Carrying

Estimated

Markets for

Observable

Unobservable

Amount

Fair

Identical Assets

Inputs

Inputs

(000’s)

Value

(Level 1)

(Level 2)

(Level 3)

Assets:

Cash and cash equivalents $
44,501

$
44,501

$
44,501

$
—

$
—

Loans receivable, net
2,409,228

2,383,673

—

—

2,383,673

Loans held for sale
11,564

11,860

—

11,860

—

Equity Securities at cost
11,151

11,151

—

11,151

—

Accrued interest receivable
7,959

7,959

—

1,393

6,566

Liabilities:

Deposits:

Non-interest-bearing
559,060

559,060

—

559,060

—

Interest bearing
1,736,989

1,752,883

—

1,752,883

—

Short term borrowings
228,185

228,185

—

228,185

—

Long term borrowings
38,371

38,371

—

38,371

—

Accrued interest payable
2,845

2,845

—

2,845

—

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- 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/disclosureRef
-Publisher FASB
-Name Accounting Standards Codification
-Topic 820
-SubTopic 10
-Section 50
-Paragraph 2
-URI http://asc.fasb.org/extlink&oid=117815213&loc=d3e19207-110258
+ Details

Name: us-gaap_FairValueDisclosuresTextBlock

Namespace Prefix: us-gaap_

Data Type: nonnum:textBlockItemType

Balance Type: na

Period Type: duration

XML 55 R13.htm IDEA: XBRL DOCUMENT v3.19.3

Note 4 - Loans
9 Months Ended

Sep. 30, 2019

Notes to Financial Statements

Loans, Notes, Trade and Other Receivables Disclosure [Text Block]

4.

LOANS

Major classifications of loans held for investment are as follows:

September 30, 2019 December 31, 2018

Legacy (1) Acquired Total Legacy (1) Acquired Total

Commercial Real Estate

Owner Occupied $
309,452,786
$
124,699,211
$
434,151,997
$
299,266,275
$
140,892,706
$
440,158,981

Investment
662,296,193

175,779,493

838,075,686

592,529,807

195,883,002

788,412,809

Hospitality
231,201,755

18,957,943

250,159,698

172,189,046

13,134,019

185,323,065

Land and A&D
81,167,986

7,034,455

88,202,441

71,908,761

21,760,867

93,669,628

Residential Real Estate

First Lien-Investment
127,305,162

40,180,391

167,485,553

104,084,050

48,483,340

152,567,390

First Lien-Owner Occupied
108,338,535

123,386,650

231,725,185

108,696,078

140,221,589

248,917,667

Residential Land and A&D
42,648,776

10,016,798

52,665,574

42,639,161

16,828,434

59,467,595

HELOC and Jr. Liens
22,149,070

35,570,762

57,719,832

20,749,184

41,939,123

62,688,307

Commercial and Industrial
255,088,072

64,195,020

319,283,092

239,766,662

91,431,724

331,198,386

Consumer
13,004,012

25,708,210

38,712,222

16,289,147

34,919,111

51,208,258

Total loans
1,852,652,347

625,528,933

2,478,181,280

1,668,118,171

745,493,915

2,413,612,086

Allowance for loan losses
(7,780,318
)
(221,034
)
(8,001,352
)
(7,004,839
)
(466,184
)
(7,471,023
)

Deferred loan costs, net
3,742,124

—

3,742,124

3,086,635

—

3,086,635

Net loans $
1,848,614,153
$
625,307,899
$
2,473,922,052
$
1,664,199,967
$
745,027,731
$
2,409,227,698

__________________

(
1
)

As a result of the acquisitions of Maryland Bankcorp, Inc. (“Maryland Bankcorp”), the parent company of Maryland Bank & Trust Company, N.A. (“MB&T”), in
April
2011,
WSB Holdings Inc., the parent company of The Washington Savings Bank (“WSB”), in
May
2013,
Regal Bancorp, Inc. (“Regal”), the parent company of Regal Bank & Trust (“Regal Bank”), in
December 2015,
DCB Bancshares, Inc. (“DCB”), the parent company of Damascus Community Bank (“Damascus”), in
July 2017,
and BYBK, the parent company of Bay Bank, in
April 2018,
we have segmented the portfolio into
two
components, “Legacy” loans originated by Old Line Bank and “Acquired” loans acquired from MB&T, WSB, Regal Bank, Damascus and Bay Bank.

Credit Policies and Administration

We have adopted a comprehensive lending policy, which includes stringent underwriting standards for all types of loans. We have designed our underwriting standards to promote a complete banking relationship rather than a transactional relationship. Our lending staff follows pricing guidelines established periodically by our management team. In an effort to manage risk, prior to funding the loan committee, consisting of
four
non-employee members of the board of directors and
four
executive officers, must approve by majority vote all credit decisions in excess of a lending officer’s lending authority. Management believes that we employ experienced lending officers, secure appropriate collateral and carefully monitor the financial condition of our borrowers and the concentrations of loans in the portfolio.

In addition to the internal business processes employed in the credit administration area, Old Line Bank retains an outside independent firm to review the loan portfolio. This firm performs a detailed annual review and an interim update. We use the results of the firm’s report to validate our internal ratings and we review the commentary on specific loans and on our loan administration activities in order to improve our operations.

Commercial Real Estate Loans

We finance commercial real estate for our clients, for owner occupied and investment properties, hospitality and land acquisition and development. Commercial real estate loans totaled
$1.61
billion and
$1.51
billion, respectively, at
September 30, 2019
and
December 31, 2018.
This lending has involved loans secured by owner-occupied commercial buildings for office, storage and warehouse space, as well as non-owner occupied commercial buildings. Our underwriting criteria for commercial real estate loans include maximum loan-to-value ratios, debt coverage ratios, secondary sources of repayments, guarantor requirements, net worth requirements and quality of cash flows. Loans secured by commercial real estate
may
be large in size and
may
involve a greater degree of risk than
one
-to-
four
family residential mortgage loans. Payments on such loans are often dependent on successful operation or management of the properties. We will generally finance owner occupied commercial real estate that does
not
exceed loan to value of
80%
and investor real estate at a maximum loan to value of
75%.

Commercial real estate lending entails significant risks. Risks inherent in managing our commercial real estate portfolio relate to sudden or gradual drops in property values as well as changes in the economic climate that
may
detrimentally impact the borrower’s ability to repay. We monitor the financial condition and operating performance of the borrower through a review of annual tax returns and updated financial statements. In addition, we meet with the borrower and/or perform site visits as required.

At
September 30, 2019,
we had approximately
$250.2
million of commercial real estate loans outstanding to the hospitality industry. An individual review of these loans indicates that they generally have a low loan to value, more than acceptable existing or projected cash flow, are to experienced operators and are generally dispersed throughout the region.

Residential Real Estate Loans

We offer a variety of consumer oriented residential real estate loans including home equity lines of credit, home improvement loans and
first
or
second
mortgages on owner occupied and investment properties. Our residential loan portfolio amounted to
$509.6
million and
$523.6
million, respectively, at
September 30, 2019
and
December 31, 2018.
Although most of these loans are in our market area, the diversity of the individual loans in the portfolio reduces our potential risk. Usually, we secure our residential real estate loans with a security interest in the borrower’s primary or secondary residence with a loan to value
not
exceeding
85%.
Our initial underwriting includes an analysis of the borrower’s debt/income ratio, which generally
may
not
exceed
43%,
collateral value, length of employment and prior credit history. A credit score of at least
640
is required, except for loans originated for sale in the secondary market, as discussed below. We do
not
originate any subprime residential real estate loans.

This segment of our portfolio also consists of funds advanced for construction of custom single family residences homes (where the home buyer is the borrower) and financing to builders for the construction of pre-sold homes and multi-family housing. These loans generally have short durations, meaning maturities typically of
twelve
months or less. Old Line Bank limits its construction lending risk through adherence to established underwriting procedures. These loans generally have short durations, meaning maturities typically of
twelve
months or less. Residential houses, multi-family dwellings and commercial buildings under construction and the underlying land for which the loan was obtained secure the construction loans. The vast majority of these loans are concentrated in our market area.

Construction lending also entails significant risk. These risks generally involve larger loan balances concentrated with single borrowers with funds advanced upon the security of the land or the project under construction. An appraisal of the property estimates the value of the project “as is and as if” completed. An appraisal of the property estimates the value of the project prior to completion of construction. Thus, initial funds are advanced based on the current value of the property with the remaining construction funds advanced under a budget sufficient to successfully complete the project within the “as completed” loan to value. To further mitigate the risks, we generally limit loan amounts to
80%
or less of appraised values and obtain
first
lien positions on the property.

We generally only offer real estate construction financing only to experienced builders, commercial entities or individuals who have demonstrated the ability to obtain a permanent loan “take-out” (conversion to a permanent mortgage upon completion of the project). We also perform a complete analysis of the borrower and the project under construction. This analysis includes a review of the cost to construct, the borrower’s ability to obtain a permanent “take-out” the cash flow available to support the debt payments and construction costs in excess of loan proceeds, and the value of the collateral. During construction, we advance funds on these loans on a percentage of completion basis. We inspect each project as needed prior to advancing funds during the term of the construction loan. We
may
provide permanent financing on the same projects for which we have provided the construction financing.

We also offer fixed rate home improvement loans. Our home equity and home improvement loan portfolio gives us a diverse client base. Although most of these loans are in our market area, the diversity of the individual loans in the portfolio reduces our potential risk. Usually, we secure our home equity loans and lines of credit with a security interest in the borrower’s primary or secondary residence.

Under our loan approval policy, all residential real estate loans approved must comply with federal regulations. Generally, we will make residential mortgage loans in amounts up to the limits established by Fannie Mae and Freddie Mac for secondary market resale purposes. Currently this amount for single-family residential loans varies from
$484,350
up to a maximum of
$726,525
for certain high-cost designated areas. We also make residential mortgage loans up to limits established by the Federal Housing Administration, which currently is
$726,525.
The Washington, D.C. and Baltimore areas are both considered high-cost designated areas. We will, however, make loans in excess of these amounts if we believe that we can sell the loans in the secondary market or that the loans should be held in our portfolio. For loans we originate for sale in the secondary market, we typically require a credit score of
620
or higher, with some exceptions provided we receive an approval recommendation from FannieMae, FreddieMac or the Federal Housing Administration’s automated underwriting approval system. Loans sold in the secondary market are sold to investors on a servicing released basis and recorded as loans as held for sale. The premium is recorded in income on marketable loans in non-interest income, net of commissions paid to the loan officers.

Commercial and Industrial Lending

Our commercial and industrial lending consists of lines of credit, revolving credit facilities, accounts receivable financing, term loans, equipment loans, Small Business Administration loans, standby letters of credit and unsecured loans. We originate commercial loans for any business purpose including the financing of leasehold improvements and equipment, the carrying of accounts receivable, general working capital, and acquisition activities. We have a diverse client base and we do
not
have a concentration of these types of loans in any specific industry segment. We generally secure commercial business loans with accounts receivable, equipment, deeds of trust and other collateral such as marketable securities, cash value of life insurance and time deposits at Old Line Bank.

Commercial business loans have a higher degree of risk than residential mortgage loans because the availability of funds for repayment generally depends on the success of the business. They
may
also involve high average balances, increased difficulty monitoring and a high risk of default. To help manage this risk, we typically limit these loans to proven businesses and we generally obtain appropriate collateral and personal guarantees from the borrower’s principal owners and monitor the financial condition of the business. For loans in excess of
$250,000,
monitoring generally includes a review of the borrower’s annual tax returns and updated financial statements.

Consumer Installment Lending

We offer various types of secured and unsecured consumer loans. We make consumer loans for personal, family or household purposes as a convenience to our customer base. Consumer loans, however, are
not
a focus of our lending activities. The underwriting standards for consumer loans include a determination of the applicant’s payment history on other debts and an assessment of his or her ability to meet existing obligations and payments on the proposed loan. As a general guideline, a consumer’s total debt service should
not
exceed
40%
of his or her gross income.

Our consumer loan portfolio includes indirect loans, which consists primarily of auto and RV loans. These loans are financed through dealers and the dealers receive a percentage of the finance charge, which varies depending on the terms of each loan. We use the same underwriting standards in originating these indirect loans as we do for consumer loans generally.

Consumer loans
may
present greater credit risk than residential mortgage loans because many consumer loans are unsecured or rapidly depreciating assets secure these loans. Repossessed collateral for a defaulted consumer loan
may
not
provide an adequate source of repayment of the outstanding loan balance because of the greater likelihood of damage, loss or depreciation. Consumer loan collections depend on the borrower’s continuing financial stability. If a borrower suffers personal financial difficulties, the consumer
may
not
repay the loan. Also, various federal and state laws, including bankruptcy and insolvency laws,
may
limit the amount we can recover on such loans.

Concentrations of Credit

Most of our lending activity occurs within the state of Maryland within the suburban Washington, D.C. and Baltimore market areas in Baltimore City and Anne Arundel, Baltimore, Calvert, Carroll, Charles, Frederick, Harford, Howard, Montgomery, Prince George’s and St. Mary’s Counties. The majority of our loan portfolio consists of commercial real estate loans and residential real estate loans.

Non-Accrual and Past Due Loans

We consider loans past due if the borrower has
not
paid the required principal and interest payments when due under the original or modified terms of the promissory note and place a loan on non-accrual status when the payment of principal or interest has become
90
days past due. When we classify a loan as non-accrual, we
no
longer accrue interest on such loan and we reverse any interest previously accrued but
not
collected. We will generally restore a non-accrual loan to accrual status when the borrower brings delinquent principal and interest payments current and we expect to collect future monthly principal and interest payments. We recognize interest on non-accrual legacy loans only when received. We originally recorded purchased, credit-impaired loans at fair value upon acquisition, and an accretable yield is established and recognized as interest income on purchased loans to the extent subsequent cash flows support the estimated accretable yield. Purchased, credit-impaired loans that perform consistently with the accretable yield expectations are
not
reported as non-accrual or nonperforming. However, purchased, credit-impaired loans that do
not
continue to perform according to accretable yield expectations are considered impaired, and presented as non-accrual and nonperforming. Currently, management expects to fully collect the carrying value of acquired, credit-impaired loans.

The table below presents an age analysis of the loans held for investment portfolio at
September 30, 2019
and
December
31,

2018.

Age Analysis of Past Due Loans

Age Analysis of Past Due Loans

September 30, 2019 December 31, 2018

Legacy Acquired Total Legacy Acquired Total

Current $
1,841,048,778
$
614,066,133
$
2,455,114,911
$
1,659,191,112
$
729,738,007
$
2,388,929,119

Accruing past due loans:

30 - 89 days past due

Commercial Real Estate:

Owner Occupied
1,692,891

—

1,692,891

3,990,558

—

3,990,558

Investment
1,716,554

3,099,400

4,815,954

1,729,404

3,849,944

5,579,348

Residential Real Estate:

First Lien-Investment
—

479,052

479,052

179,701

896,227

1,075,928

First Lien-Owner Occupied
90,884

1,684,528

1,775,412

94,178

3,062,084

3,156,262

Land and A&D
622,365

—

622,365

883,460

413,191

1,296,651

HELOC and Jr. Liens
100,227

512,939

613,166

119,924

790,989

910,913

Commercial and Industrial
2,615,507

1,253,843

3,869,350

670,318

1,444,347

2,114,665

Consumer
136,811

602,432

739,243

320,071

1,338,813

1,658,884

Total 30 - 89 days past due
6,975,239

7,632,194

14,607,433

7,987,614

11,795,595

19,783,209

90 or more days past due

Commercial Real Estate:

Investment
—

—

—

—

139,247

139,247

Residential Real Estate:

First-Investment
—

83,391

83,391

—

—

—

First Lien-Owner Occupied
—

771,798

771,798

—

103,365

103,365

Commercial and Industrial
58,665

—

58,665

—

—

—

Consumer
15,419

—

15,419

—

54

54

Total 90 or more days past due
74,084

855,189

929,273

—

242,666

242,666

Total accruing past due loans
7,049,323

8,487,383

15,536,706

7,987,614

12,038,261

20,025,875

Recorded Investment Non-accruing loans:

Commercial Real Estate:

Owner Occupied
2,691,810

249,087

2,940,897

—

182,261

182,261

Investment
576,671

52,646

629,317

—

51,070

51,070

Land and A&D
—

10,000

10,000

—

45,000

45,000

Residential Real Estate:

First Lien-Investment
392,490

130,973

523,463

192,501

292,758

485,259

First Lien-Owner Occupied
243,846

1,446,632

1,690,478

262,194

2,027,974

2,290,168

Land and A&D
284,129

199,234

483,363

277,704

201,737

479,441

HELOC and Jr. Liens
—

788,585

788,585

—

690,732

690,732

Commercial and Industrial
336,179

10,435

346,614

191,388

45,269

236,657

Consumer
29,071

87,825

116,896

15,658

180,846

196,504

Non-accruing past due loans:
4,554,196

2,975,417

7,529,613

939,445

3,717,647

4,657,092

Total Loans $
1,852,652,297
$
625,528,933
$
2,478,181,230
$
1,668,118,171
$
745,493,915
$
2,413,612,086

We consider all nonperforming loans and troubled debt restructurings (“TDRs”) to be impaired. We do
not
recognize interest income on nonperforming loans during the time period that the loans are nonperforming. We only recognize interest income on nonperforming loans when we receive payment in full for all amounts due of all contractually required principle and interest, and the loan is current with its contractual terms. The tables below present our impaired loans at and for the periods ended
September 30, 2019
and
December
31,

2018.

Impaired Loans

Three months

September 30, 2019

Nine months

September 30, 2019

Unpaid

Average

Interest

Average

Interest

Principal

Recorded

Related

Recorded

Income

Recorded

Income

Balance

Investment

Allowance

Investment

Recognized

Investment

Recognized

Legacy

With no related allowance recorded:

Commercial Real Estate:

Owner Occupied

$

4,388,978

$

4,388,978

$

—

$

4,408,758

$

26,298

4,390,510

$

113,063

Investment

1,661,904

—

1,665,461

6,348

1,672,558

37,937

Land and A&D

—

—

—

—

—

—

—

Residential Real Estate:

First Lien-Investment

177,569

177,569

—

177,569

—

178,361

4,344

First Lien-Owner Occupied

554,426

554,426

—

585,780

4,763

594,879

17,992

Commercial and Industrial

388,132

388,132

—

396,657

3,817

404,026

10,573

Consumer

18,371

18,371

—

19,857

473

20,986

1,346

With an allowance recorded:

Commercial Real Estate:

Residential Real Estate:

First Lien-Investment

214,921

214,921

36,621

213,397

—

199,543

—

First Lien-Owner Occupied

141,717

141,717

—

137,449

—

136,898

—

Land and A&D

284,179

284,179

35,000

284,179

—

283,663

—

Commercial and Industrial

261,831

261,831

92,424

262,469

—

263,095

402

Consumer

10,700

10,700

1,328

11,730

157

12,200

927

Total legacy impaired

8,102,728

6,440,824

165,373

8,163,306

41,856

8,156,719

186,584

Acquired(1)

With no related allowance recorded:

Commercial Real Estate:

Owner Occupied

268,416

268,416

—

268,197

—

267,605

—

Investment

72,408

72,408

—

163,876

—

163,876

—

Land and A&D

—

—

—

—

—

—

—

Residential Real Estate:

First Lien-Owner Occupied

1,578,372

1,566,765

—

1,696,380

21,155

1,706,748

95,104

First Lien-Investment

—

—

—

—

—

—

—

Land and A&D

52,325

52,325

—

59,432

950

60,299

4,168

HELOC and Jr. Lien

575,505

575,505

—

641,739

4,821

651,554

20,181

Commercial

—

—

—

—

—

—

—

Consumer

93,903

93,903

—

107,108

2,489

119,554

7,692

With an allowance recorded:

Commercial Real Estate:

Investment

—

—

—

—

—

—

—

Land and A&D

293,376

10,000

10,000

293,376

—

316,506

—

Residential Real Estate:

Land and A&D

157,628

157,628

86,434

162,348

—

161,556

—

First Lien-Investment

131,636

131,636

35,160

139,152

6,397

135,530

7,905

First Lien-Owner Occupied

67,633

67,633

26,865

68,922

719

69,375

2,532

HELOC and Jr. Lien

226,635

226,635

56,048

253,151

255,925

3,674

Commercial and Industrial

84,995

84,995

4,435

84,898

—

85,797

1,341

Consumer

17,753

17,753

2,092

26,486

—

27,308

654

Total acquired impaired

3,620,585

3,325,602

221,034

3,965,065

36,531

4,021,633

143,251

Total impaired

$

11,723,313

$

9,766,426

$

386,407

$

12,128,371

$

78,387

12,178,352

$

329,835

__________________

(
1
)

U.S. GAAP requires that we record acquired loans at fair value at acquisition, which includes a discount for loans with credit impairment. These purchased credit impaired loans are
not
performing according to their contractual terms and meet the definition of an impaired loan. Although we do
not
accrue interest income at the contractual rate on these loans, we do recognize an accretable yield as interest income to the extent such yield is supported by cash flow analysis of the underlying loans.

Impaired Loans

December 31, 2018

Unpaid

Average

Interest

Principal

Recorded

Related

Recorded

Income

Balance

Investment

Allowance

Investment

Recognized

Legacy

With no related allowance recorded:

Commercial Real Estate:

Owner Occupied $
1,737,394

$
1,737,394

$
—

$
1,766,117

$
74,203

Investment
1,688,661

1,688,661

—

1,716,183

88,410

Residential Real Estate:

First Lien-Owner Occupied
262,194

262,194

—

285,514

11,412

Land and A&D
277,704

277,704

—

277,704

—

Commercial and Industrial
486,048

486,048

—

509,971

18,595

Consumer
1,495

1,495

—

10,707

1,130

With an allowance recorded:

Residential Real Estate:

First Lien-Owner Occupied

First Lien-Investment
192,501

192,501

39,420

192,501

—

Commercial and Industrial
148,349

148,349

13,149

152,898

3,926

Consumer
14,163

14,163

1,416

27,217

1,129

Total legacy impaired
4,808,509

4,808,509

53,985

4,938,812

198,805

Acquired(1)

With no related allowance recorded:

Commercial Real Estate:

Owner Occupied
283,083

232,635

—

542,654

3,281

Residential Real Estate:

First Lien-Owner Occupied
2,127,854

2,011,286

—

2,159,327

38,636

Land and A&D
58,659

58,659

—

62,178

2,896

Consumer
22,139

22,139

—

26,027

364

With an allowance recorded:

Commercial Real Estate:

Owner Occupied

Investment
72,408

72,408

14,340

163,876

2,750

First Lien-Owner Occupied
459,033

459,033

98,008

482,422

7,695

First Lien-Investment
298,187

298,187

62,701

310,862

7,871

Land and A&D
154,297

154,297

99,517

159,819

—

HELOC and Jr. Lien
533,565

533,565

78,814

534,204

12,254

Commercial and Industrial
48,750

48,750

48,750

48,750

237

Consumer
188,102

188,102

19,053

231,978

11,619

Total acquired impaired
4,810,584

4,359,717

466,183

5,289,532

96,107

Total impaired $
9,619,093

$
9,168,226

$
520,168

$
10,228,344

$
294,912

__________________

(
1
)

U.S. GAAP requires that we record acquired loans at fair value at acquisition, which includes a discount for loans with credit impairment. These purchased credit impaired loans are
not
performing according to their contractual terms and meet the definition of an impaired loan. Although we do
not
accrue interest income at the contractual rate on these loans, we do recognize an accretable yield as interest income to the extent such yield is supported by cash flow analysis of the underlying loans.

We consider a loan a TDR when we conclude that both of the following conditions exist: the restructuring constitutes a concession and the debtor is experiencing financial difficulties. Restructured loans at
September 30, 2019
consisted of
seven
loans for an aggregate of
$2.2
million compared to
seven
loans for an aggregate of
$2.4
million at
December 31, 2018.

We had
no

loan modifications reported as TDRs during the
three
or
nine
months ended
September 30, 2019.
We had
one
loan modification reported as a TDR during the
nine
months ended
September 30, 2018.
We had
no

loans that were modified as a TDR that defaulted during the
three
or
nine
-month periods ended
September 30, 2019
or
2018.

The following table includes the recorded investment in and number of modifications of TDRs for the
three
and
nine
months ended
September 30, 2019
and
2018.
We report the recorded investment in loans prior to a modification and also the recorded investment in the loans after the loans were restructured. Reductions in the recorded investment are primarily due to the partial charge-off of the principal balance prior to the modification. We had
no
loans that were modified as a TDR that defaulted within
three
months of the modification date during the
three
- or
nine
-month periods ended
September 30, 2019
and
2018.

Loans Modified as a TDR for the three months ended

September 30, 2019 September 30, 2018

Pre- Post Pre- Post

Modification Modification Modification Modification

Outstanding Outstanding Outstanding Outstanding

Troubled Debt Restructurings—
#of

Recorded

Recorded

#of

Recorded

Recorded

(Dollars in thousands)
Contracts

Investment

Investment

Contracts

Investment

Investment

Legacy

Residential Real Estate Owner Occupied
—

—

—

—

—

—

Total legacy TDRs
—

$
—

$
—

$
—

$
—

Loans Modified as a TDR for the nine months ended

September 30, 2019 September 30, 2018

Pre- Post Pre- Post

Modification Modification Modification Modification

Outstanding Outstanding Outstanding Outstanding

Troubled Debt Restructurings—
#of

Recorded

Recorded

#of

Recorded

Recorded

(Dollars in thousands)
Contracts

Investment

Investment

Contracts

Investment

Investment

Legacy

Consumer
—

—

—

—

28,009

27,009

Total legacy TDRs
—

$
—

$
—

$
28,009

$
27,009

Acquired impaired loans

The following table documents changes in the accretable (premium) discount on acquired impaired loans during the
nine
months ended
September 30, 2019
and
2018,
along with the outstanding balances and related carrying amounts for the beginning and end of those respective periods.

September 30, 2019 September 30, 2018

Balance at beginning of period $
124,090
$
115,066

Additions due to BYBK acquisition
—

50,984

Accretion of fair value discounts
(1,375,970
)
(873,308
)

Reclassification (to)/from non-accretable discount
1,334,580

847,153

Balance at end of period $
82,700
$
139,895

Contractually

Required Payments

Receivable Carrying Amount

At September 30, 2019 $
9,125,242
$
7,976,188

At December 31, 2018
11,146,165

9,396,862

At September 30, 2018
17,975,448

14,109,972

At December 31, 2017
8,277,731

6,617,774

Credit Quality Indicators

We review the adequacy of the allowance for loan losses at least quarterly. We base the evaluation of the adequacy of the allowance for loan losses upon loan categories. We categorize loans as residential real estate loans, commercial real estate loans, commercial loans and consumer loans. We further divide commercial real estate loans by owner occupied, investment, hospitality and land acquisition and development. We also divide residential real estate by owner occupied, investment, land acquisition and development and junior liens. All categories are divided by risk rating and loss factors and weighed by risk rating to determine estimated loss amounts. We evaluate delinquent loans and loans for which management has knowledge about possible credit problems of the borrower or knowledge of problems with collateral separately and assign loss amounts based upon the evaluation.

We determine loss ratios for all loans based upon a review of the
three
year loss ratio for the category and qualitative factors.

We charge off loans that management has identified as losses. We consider suggestions from our external loan review firm and bank examiners when determining which loans to charge off. We automatically charge off consumer loan accounts based on regulatory requirements. We partially charge off real estate loans that are collateral dependent based on the value of the collateral.

If a loan that was previously rated a pass performing loan, from our acquisitions, deteriorates subsequent to the acquisition, the subject loan will be assessed for risk and, if necessary, evaluated for impairment. If the risk assessment rating is adversely changed and the loan is determined to
not
be impaired, the loan will be placed in a migration category and the credit mark established for the loan will be compared to the general reserve allocation that would be applied using the current allowance for loan losses formula for General Reserves. If the credit mark exceeds the allowance for loan losses formula for General Reserves, there will be
no
change to the allowance for loan losses. If the credit mark is less than the current allowance for loan losses formula for General Reserves, the allowance for loan losses will be increased by the amount of the shortfall by a provision recorded in the income statement. If the loan is deemed impaired, the loan will be subject to evaluation for loss exposure and a specific reserve. If the estimate of loss exposure exceeds the credit mark, the allowance for loan losses will be increased by the amount of the excess loss exposure through a provision. If the credit mark exceeds the estimate of loss exposure there will be
no
change to the allowance for loan losses. If a loan from the acquired loan portfolio is carrying a specific credit mark and a current evaluation determines that there has been an increase in loss exposure, the allowance for loan losses will be increased by the amount of the current loss exposure in excess of the credit mark.

The following tables outline the class of loans by risk rating at
September 30, 2019
and
December
31,

2018:

Account Balance

September 30, 2019 Legacy Acquired Total

Risk Rating

Pass(1 - 5)

Commercial Real Estate:

Owner Occupied $
303,183,923
$
122,143,948
$
425,327,871

Investment
659,590,203

74,557,546

734,147,749

Hospitality
231,201,755

18,957,943

250,159,698

Land and A&D
81,167,986

6,839,775

88,007,761

Residential Real Estate:

First Lien-Investment
126,493,210

37,115,151

163,608,361

First Lien-Owner Occupied
108,036,843

118,639,242

226,676,085

Land and A&D
40,330,083

9,718,740

50,048,823

HELOC and Jr. Liens
22,149,070

33,850,157

55,999,227

Commercial
252,223,178

61,748,358

313,971,536

Consumer
12,974,941

25,495,847

38,470,788

1,837,351,192

509,066,707

2,346,417,899

Special Mention(6)

Commercial Real Estate:

Owner Occupied
408,090

1,261,341

1,669,431

Investment
1,044,086

915,223

1,959,309

Land and A&D
—

184,681

184,681

Residential Real Estate:

First Lien-Investment
280,873

1,746,159

2,027,032

First Lien-Owner Occupied
57,846

1,945,545

2,003,391

Land and A&D
2,034,514

98,824

2,133,338

HELOC and Jr. Liens
—

845,111

845,111

Commercial
1,401,346

2,364,123

3,765,469

Consumer
—

97,199

97,199

5,226,755

9,458,206

14,684,961

Substandard(7)

Commercial Real Estate:

Owner Occupied
5,860,773

1,293,922

7,154,695

Investment
1,661,904

306,724

1,968,628

Land and A&D
—

10,000

10,000

Residential Real Estate:

First Lien-Investment
531,079

1,319,081

1,850,160

First Lien-Owner Occupied
243,846

2,801,863

3,045,709

Land and A&D
284,179

199,234

483,413

HELOC and Jr. Liens
—

875,493

875,493

Commercial
1,463,548

82,539

1,546,087

Consumer
29,071

115,164

144,235

10,074,400

7,004,020

17,078,420

Doubtful(8)
—

—

—

Loss(9)
—

—

—

Total $
1,852,652,347
$
525,528,933
$
2,378,181,280

Account Balance

December 31, 2018 Legacy Acquired Total

Risk Rating

Pass(1 - 5)

Commercial Real Estate:

Owner Occupied $
293,682,007
$
137,978,800
$
431,660,807

Investment
589,763,511

194,092,985

783,856,496

Hospitality
172,189,046

13,134,019

185,323,065

Land and A&D
71,908,761

21,514,420

93,423,181

Residential Real Estate:

First Lien-Investment
103,270,617

45,431,446

148,702,063

First Lien-Owner Occupied
108,371,748

134,959,907

243,331,655

Land and A&D
40,268,376

16,524,667

56,793,043

HELOC and Jr. Liens
20,749,184

41,196,500

61,945,684

Commercial
237,713,832

89,049,308

326,763,140

Consumer
16,273,489

34,674,679

50,948,168

1,654,190,571

728,556,731

2,382,747,302

Special Mention(6)

Commercial Real Estate:

Owner Occupied
420,347

1,303,849

1,724,196

Investment
1,077,635

557,687

1,635,322

Land and A&D
—

201,447

201,447

Residential Real Estate:

First Lien-Investment
289,618

1,709,025

1,998,643

First Lien-Owner Occupied
62,136

1,522,737

1,584,873

Land and A&D
2,093,081

102,030

2,195,111

Commercial
174,729

174,429

349,158

Consumer
—

30,848

30,848

4,117,546

5,602,052

9,719,598

Substandard(7)

Commercial Real Estate:

Owner Occupied
5,163,921

1,610,057

6,773,978

Investment
1,688,661

1,232,330

2,920,991

Land and A&D
—

45,000

45,000

Residential Real Estate:

First Lien-Investment
523,815

1,342,869

1,866,684

First Lien-Owner Occupied
262,194

3,738,945

4,001,139

Land and A&D
277,704

201,737

479,441

HELOC and Jr. Liens
—

742,623

742,623

Commercial
1,878,101

2,207,987

4,086,088

Consumer
15,658

213,584

229,242

9,810,054

11,335,132

21,145,186

Doubtful(8)
—

—

—

Loss(9)
—

—

—

Total $
1,668,118,171
$
745,493,915
$
2,413,612,086

The following table details activity in the allowance for loan losses by portfolio segment for the
three
- and
nine
-month periods ended
September 30, 2019
and
2018.
Allocation of a portion of the allowance to
one
category of loans does
not
preclude its availability to absorb losses in other categories.

Commercial Commercial Residential

Three Months Ended September 30, 2019 and Industrial Real Estate Real Estate Consumer Total

Beginning balance $
1,665,674
$
4,882,255
$
1,283,903
$
57,903
$
7,889,735

Provision for loan losses
(54,913
)
279,425

91,970

139,518

456,000

Recoveries
400

417

6,119

19,424

26,360

Total
1,611,161

5,162,097

1,381,992

216,845

8,372,095

Loans charged off
(48,750
)
—

(165,498
)
(156,495
)
(370,743
)

Ending Balance $
1,562,411
$
5,162,097
$
1,216,494
$
60,350
$
8,001,352

Commercial Commercial Residential

Nine Months Ended September 30, 2019 and Industrial Real Estate Real Estate Consumer Total

Beginning balance $
1,562,740
$
4,728,694
$
1,081,394
$
98,195
$
7,471,023

Provision for loan losses
41,176

432,152

248,477

220,953

942,758

Recoveries
11,353

1,251

53,149

58,320

124,073

Total
1,615,269

5,162,097

1,383,020

377,468

8,537,854

Loans charged off
(52,858
)
—

(166,526
)
(317,118
)
(536,502
)

Ending Balance $
1,562,411
$
5,162,097
$
1,216,494
$
60,350
$
8,001,352

Amount allocated to:

Legacy Loans:

Individually evaluated for impairment $
92,424
$
—
$
71,621
$
1,328
$
165,373

Other loans not individually evaluated
1,465,552

5,152,097

939,200

58,096

7,614,945

Acquired Loans:

Individually evaluated for impairment
4,435

10,000

205,673

926

221,034

Ending balance $
1,562,411
$
5,162,097
$
1,216,494
$
60,350
$
8,001,352

Commercial Commercial Residential

Three Months Ended September 30, 2018 and Industrial Real Estate Real Estate Consumer Total

Beginning balance $
1,680,448
$
4,196,752
$
749,630
$
77,747
$
6,704,577

Provision for loan losses
(141,751
)
303,547

34,609

111,465

307,870

Recoveries
65,819

417

3,119

5,127

74,482

Total
1,604,516

4,500,716

787,358

194,339

7,086,929

Loans charged off
—

—

—

(106,879
)
(106,879
)

Ending Balance $
1,604,516
$
4,500,716
$
787,358
$
87,460
$
6,980,050

Commercial Commercial Residential

Nine Months Ended September 30, 2018 and Industrial Real Estate Real Estate Consumer Total

Beginning balance $
1,262,030
$
3,783,735
$
844,355
$
30,466
$
5,920,586

Provision for loan losses
273,017

716,147

(70,403
)
316,262

1,235,023

Recoveries
69,469

834

15,230

11,980

97,513

Total
1,604,516

4,500,716

789,182

358,708

7,253,122

Loans charged off
—

—

(1,824
)
(271,248
)
(273,072
)

Ending Balance $
1,604,516
$
4,500,716
$
787,358
$
87,460
$
6,980,050

Amount allocated to:

Legacy Loans:

Individually evaluated for impairment $
93,892
$
—
$
76,495
$
—
$
170,387

Other loans not individually evaluated
1,441,108

4,500,716

525,749

60,852

6,528,425

Acquired Loans:

Individually evaluated for impairment
69,516

—

185,114

26,608

281,238

Ending balance $
1,604,516
$
4,500,716
$
787,358
$
87,460
$
6,980,050

Our recorded investment in loans at
September 30, 2019
and
2018
related to each balance in the allowance for probable loan losses by portfolio segment and disaggregated on the basis of our impairment methodology was as follows:

Commercial Commercial Residential

September 30, 2019 and Industrial Real Estate Real Estate Consumer Total

Legacy loans:

Individually evaluated for impairment with specific reserve $
261,831
$
—
$
640,817
$
10,700
$
913,348

Individually evaluated for impairment without specific reserve
388,132

6,050,882

731,995

18,371

7,189,380

Other loans not individually evaluated
254,438,109

1,278,067,839

299,068,731

12,974,940

1,844,549,619

Acquired loans:

Individually evaluated for impairment with specific reserve subsequent to acquisition (ASC 310-20 at acquisition)
84,995

10,000

583,532

17,753

696,280

Individually evaluated for impairment without specific reserve (ASC 310-20 at acquisition)
—

340,824

2,194,595

93,903

2,629,322

Individually evaluated for impairment without specific reserve (ASC 310-30 at acquisition)
172,609

3,234,991

4,568,592

—

7,976,192

Collectively evaluated for impairment without reserve (ASC 310-20 at acquisition)
63,937,416

322,885,287

201,807,881

25,596,555

614,227,139

Ending balance $
319,283,092
$
1,610,589,823
$
509,596,143
$
38,712,222
$
2,478,181,280

Commercial Commercial Residential

September 30, 2018 and Industrial Real Estate Real Estate Consumer Total

Legacy loans:

Individually evaluated for impairment with specific reserve $
93,892
$
—
$
242,592
$
—
$
336,484

Individually evaluated for impairment without specific reserve
509,772

3,453,579

494,423

—

4,457,774

Other loans not individually evaluated
215,125,991

1,113,299,121

258,804,372

17,671,242

1,604,900,726

Acquired loans:

Individually evaluated for impairment with specific reserve subsequent to acquisition (ASC 310-20 at acquisition)
68,888

45,000

407,735

27,009

548,632

Individually evaluated for impairment without specific reserve (ASC 310-20 at acquisition)
167,560

773,457

2,720,353

52,730

3,714,100

Individually evaluated for impairment without specific reserve (ASC 310-30 at acquisition)
559,248

7,872,328

5,664,394

14,000

14,109,970

Collectively evaluated for impairment without reserve (ASC 310-20 at acquisition)
96,617,110

379,553,784

245,912,416

38,603,984

760,687,294

Ending balance $
312,642,461
$
1,504,997,269
$
514,246,285
$
56,368,965
$
2,388,254,980

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Note 9 - Short Term Borrowings (Details Textual) - USD ($)
$ in Thousands

Sep. 30, 2019

Dec. 31, 2018

Unsecured Debt, Total $ 0 $ 0

Secured Debt, Repurchase Agreements 24,400 38,200

Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged 120,800

Secured Debt [Member] | Federal Home Loan Bank of Atlanta [Member]

Federal Home Loan Bank, Advances, Maturities Summary, Due in Next Twelve Months, Total $ 180,000 $ 190,000

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Note 8 - Fair Value Measurement - Assets and Liabilities Measured on a Recurring Basis (Details) - USD ($)

Sep. 30, 2019

Dec. 31, 2018

Investment securities available for sale-at fair value $ 268,534,675 $ 219,705,762

US Treasury Securities [Member]

Investment securities available for sale-at fair value 2,995,781 2,992,500

US Government Agencies Debt Securities [Member]

Investment securities available for sale-at fair value 60,137,434 18,606,178

Corporate Debt Securities [Member]

Investment securities available for sale-at fair value 18,998,739 18,839,228

Foreign Debt Securities [Member]

Investment securities available for sale-at fair value 7,002,008 3,500,098

US States and Political Subdivisions Debt Securities [Member]

Investment securities available for sale-at fair value 78,894,568 77,288,704

Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member]

Investment securities available for sale-at fair value 16,728,137 18,073,768

Federal National Mortgage Association Certificates and Obligations (FNMA) [Member]

Investment securities available for sale-at fair value 57,939,165 53,658,760

Government National Mortgage Association Certificates and Obligations (GNMA) [Member]

Investment securities available for sale-at fair value 25,838,843 26,746,526

Fair Value, Recurring [Member]

Investment securities available for sale-at fair value 268,535,000 219,706,000

Fair Value, Recurring [Member] | Fair Value, Inputs, Level 1 [Member]

Investment securities available for sale-at fair value 2,996,000 2,993,000

Fair Value, Recurring [Member] | Fair Value, Inputs, Level 2 [Member]

Investment securities available for sale-at fair value 239,538,000 194,374,000

Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member]

Investment securities available for sale-at fair value 26,001,000 22,339,000

Fair Value, Recurring [Member] | Fair Value, Inputs, Level 3 [Member] | Changes Measurement [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | US Treasury Securities [Member]

Investment securities available for sale-at fair value 2,996,000 2,993,000

Fair Value, Recurring [Member] | US Treasury Securities [Member] | Changes Measurement [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | US Treasury Securities [Member] | Fair Value, Inputs, Level 1 [Member]

Investment securities available for sale-at fair value 2,996,000 2,993,000

Fair Value, Recurring [Member] | US Treasury Securities [Member] | Fair Value, Inputs, Level 2 [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | US Treasury Securities [Member] | Fair Value, Inputs, Level 3 [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | US Treasury Securities [Member] | Fair Value, Inputs, Level 3 [Member] | Changes Measurement [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | US Government Agencies Debt Securities [Member]

Investment securities available for sale-at fair value 60,137,000 18,606,000

Fair Value, Recurring [Member] | US Government Agencies Debt Securities [Member] | Changes Measurement [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]

Investment securities available for sale-at fair value 60,137,000 18,606,000

Fair Value, Recurring [Member] | US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | US Government Agencies Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member] | Changes Measurement [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | Corporate Debt Securities [Member]

Investment securities available for sale-at fair value 18,999,000 18,843,000

Fair Value, Recurring [Member] | Corporate Debt Securities [Member] | Changes Measurement [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | Corporate Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | Corporate Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | Corporate Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]

Investment securities available for sale-at fair value 18,999,000 18,843,000

Fair Value, Recurring [Member] | Corporate Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member] | Changes Measurement [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | Foreign Debt Securities [Member]

Investment securities available for sale-at fair value 7,002,000 3,496,000

Fair Value, Recurring [Member] | Foreign Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | Foreign Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | Foreign Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]

Investment securities available for sale-at fair value 7,002,000 3,496,000

Fair Value, Recurring [Member] | Foreign Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member] | Changes Measurement [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member]

Investment securities available for sale-at fair value 78,895,000 77,289,000

Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 1 [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 2 [Member]

Investment securities available for sale-at fair value 78,895,000 77,289,000

Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | US States and Political Subdivisions Debt Securities [Member] | Fair Value, Inputs, Level 3 [Member] | Changes Measurement [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member]

Investment securities available for sale-at fair value 16,728,000 18,074,000

Fair Value, Recurring [Member] | Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member] | Fair Value, Inputs, Level 1 [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member] | Fair Value, Inputs, Level 2 [Member]

Investment securities available for sale-at fair value 16,728,000 18,074,000

Fair Value, Recurring [Member] | Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member] | Fair Value, Inputs, Level 3 [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member] | Fair Value, Inputs, Level 3 [Member] | Changes Measurement [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | Federal National Mortgage Association Certificates and Obligations (FNMA) [Member]

Investment securities available for sale-at fair value 57,939,000 53,659,000

Fair Value, Recurring [Member] | Federal National Mortgage Association Certificates and Obligations (FNMA) [Member] | Fair Value, Inputs, Level 1 [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | Federal National Mortgage Association Certificates and Obligations (FNMA) [Member] | Fair Value, Inputs, Level 2 [Member]

Investment securities available for sale-at fair value 57,939,000 53,659,000

Fair Value, Recurring [Member] | Federal National Mortgage Association Certificates and Obligations (FNMA) [Member] | Fair Value, Inputs, Level 3 [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | Federal National Mortgage Association Certificates and Obligations (FNMA) [Member] | Fair Value, Inputs, Level 3 [Member] | Changes Measurement [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | Government National Mortgage Association Certificates and Obligations (GNMA) [Member]

Investment securities available for sale-at fair value 25,839,000 26,746,000

Fair Value, Recurring [Member] | Government National Mortgage Association Certificates and Obligations (GNMA) [Member] | Fair Value, Inputs, Level 1 [Member]

Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | Government National Mortgage Association Certificates and Obligations (GNMA) [Member] | Fair Value, Inputs, Level 2 [Member]

Investment securities available for sale-at fair value 25,839,000 26,746,000

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Investment securities available for sale-at fair value

Fair Value, Recurring [Member] | Government National Mortgage Association Certificates and Obligations (GNMA) [Member] | Fair Value, Inputs, Level 3 [Member] | Changes Measurement [Member]

Investment securities available for sale-at fair value

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Note 11 - Leases - Operating Lease Liability Maturity (Details)

Sep. 30, 2019

USD ($)

One year or less $ 1,902,749

One to three years 4,080,198

Three to five years 4,238,506

Thereafter 18,501,545

Total undiscounted cash flows 28,722,998

Discount of cash flows (446,655)

Lease liabilities $ 28,276,343

X

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Note 2 - Acquisition of Bay Bancorp, Inc. (Details Textual) - USD ($)
9 Months Ended

Apr. 13, 2018

Sep. 30, 2019

Sep. 30, 2018

Business Combination, Consideration Transferred, Total $ 143,619,078

Bay Bancorp, Inc [Member]

Business Acquisition Amount of Company Stock Received Per Share $ 0.4088

Stock Issued During Period, Shares, Acquisitions 4,408,087

Business Combination, Consideration Transferred, Total $ 143,619,078

Business Combination, Recognized Identifiable Assets Acquired and Liabilities Assumed, Assets, Total $ 661,438,089

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Note 3 - Investment Securities - Unrealized Losses (Details) - USD ($)

Sep. 30, 2019

Dec. 31, 2018

Less than 12 months, fair value $ 995,889 $ 31,316,095

Less than 12 months, unrealized losses 399 307,910

12 months or more, fair value 78,467,769 157,684,701

12 months or more, unrealized losses 1,425,076 7,568,612

Total, fair value 79,463,658 189,000,796

Total, unrealized losses 1,425,475 7,876,522

US Government Agencies Debt Securities [Member]

Less than 12 months, fair value 1,357,980

Less than 12 months, unrealized losses 26,795

12 months or more, fair value 3,922,889 15,288,957

12 months or more, unrealized losses 23,138 490,680

Total, fair value 3,922,889 16,646,937

Total, unrealized losses 23,138 517,475

US Treasury Securities [Member]

Less than 12 months, fair value 1,503,516

Less than 12 months, unrealized losses 1,313

12 months or more, fair value 1,488,984

12 months or more, unrealized losses 9,597

Total, fair value 2,992,500

Total, unrealized losses 10,910

Foreign Debt Securities [Member]

Less than 12 months, fair value 499,983

Less than 12 months, unrealized losses 17

12 months or more, fair value

12 months or more, unrealized losses

Total, fair value 499,983

Total, unrealized losses 17

US States and Political Subdivisions Debt Securities [Member]

Less than 12 months, fair value 495,906 13,707,759

Less than 12 months, unrealized losses 382 100,387

12 months or more, fair value 54,243,374

12 months or more, unrealized losses 2,047,221

Total, fair value 495,906 67,951,133

Total, unrealized losses 382 2,147,608

Corporate Debt Securities [Member]

Less than 12 months, fair value 2,995,769

Less than 12 months, unrealized losses 4,231

12 months or more, fair value

12 months or more, unrealized losses

Total, fair value 2,995,769

Total, unrealized losses 4,231

Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member]

Less than 12 months, fair value 1,715,756

Less than 12 months, unrealized losses 26,062

12 months or more, fair value 15,124,875 16,293,413

12 months or more, unrealized losses 301,524 981,053

Total, fair value 15,124,875 18,009,169

Total, unrealized losses 301,524 1,007,115

Federal National Mortgage Association Certificates and Obligations (FNMA) [Member]

Less than 12 months, fair value 1,164,291

Less than 12 months, unrealized losses 11,023

12 months or more, fair value 47,004,928 52,494,470

12 months or more, unrealized losses 945,451 3,051,147

Total, fair value 47,004,928 53,658,761

Total, unrealized losses 945,451 3,062,170

Government National Mortgage Association Certificates and Obligations (GNMA) [Member]

Less than 12 months, fair value 8,871,024

Less than 12 months, unrealized losses 138,099

12 months or more, fair value 12,415,077 17,875,503

12 months or more, unrealized losses 154,963 988,914

Total, fair value 12,415,077 26,746,527

Total, unrealized losses $ 154,963 $ 1,127,013

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Note 4 - Loans - Past Due Loans (Details) - USD ($)

Sep. 30, 2019

Dec. 31, 2018

Sep. 30, 2018

Current $ 2,455,114,911 $ 2,388,929,119

Accruing past due loans 15,536,706 20,025,875

Non-accruing loans 7,529,613 4,657,092

Total Loans 2,478,181,230 2,413,612,086 $ 2,388,254,980

Commercial Real Estate Portfolio Segment [Member]

Total Loans 1,610,589,823 1,510,000,000 1,504,997,269

Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member]

Total Loans 434,151,997 440,158,981

Commercial Real Estate Portfolio Segment [Member] | Investment [Member]

Non-accruing loans 629,317 51,070

Total Loans 838,075,686 788,412,809

Commercial Real Estate Portfolio Segment [Member] | Land and A&D [Member]

Total Loans 88,202,441 93,669,628

Residential Portfolio Segment [Member]

Total Loans 509,596,143 523,600,000 514,246,285

Residential Portfolio Segment [Member] | Residential First Investment [Member]

Non-accruing loans 523,463 485,259

Total Loans 167,485,553 152,567,390

Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member]

Non-accruing loans 1,690,478 2,290,168

Total Loans 231,725,185 248,917,667

Residential Portfolio Segment [Member] | HELOC and Jr Liens [Member]

Total Loans 57,719,832 62,688,307

Commercial Portfolio Segment [Member]

Accruing past due loans 58,665

Non-accruing loans 346,614 236,657

Total Loans 319,283,092 312,642,461

Consumer Portfolio Segment [Member]

Non-accruing loans 116,896 196,504

Total Loans 38,712,222 51,208,258 $ 56,368,965

Financing Receivables 30 To 89 Days Past Due [Member]

Accruing past due loans 14,607,433 19,783,209

Financing Receivables 30 To 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member]

Accruing past due loans 1,692,891 3,990,558

Financing Receivables 30 To 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Investment [Member]

Accruing past due loans 4,815,954 5,579,348

Financing Receivables 30 To 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Land and A&D [Member]

Accruing past due loans 622,365 1,296,651

Financing Receivables 30 To 89 Days Past Due [Member] | Residential Portfolio Segment [Member] | Residential First Investment [Member]

Accruing past due loans 479,052 1,075,928

Financing Receivables 30 To 89 Days Past Due [Member] | Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member]

Accruing past due loans 1,775,412 3,156,262

Financing Receivables 30 To 89 Days Past Due [Member] | Residential Portfolio Segment [Member] | Land and A&D [Member]

Accruing past due loans 10,000 45,000

Financing Receivables 30 To 89 Days Past Due [Member] | Residential Portfolio Segment [Member] | HELOC and Jr Liens [Member]

Accruing past due loans 613,166 910,913

Financing Receivables 30 To 89 Days Past Due [Member] | Commercial Portfolio Segment [Member]

Accruing past due loans 3,869,350 2,114,665

Financing Receivables 30 To 89 Days Past Due [Member] | Consumer Portfolio Segment [Member]

Accruing past due loans 739,243 1,658,884

Financial Asset, Equal to or Greater than 90 Days Past Due [Member]

Accruing past due loans 929,273 242,666

Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member]

Accruing past due loans 2,940,897 182,261

Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Investment [Member]

Accruing past due loans 139,247

Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member] | Residential First Investment [Member]

Accruing past due loans 83,391

Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member]

Accruing past due loans 771,798 103,365

Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member] | Land and A&D [Member]

Non-accruing loans 483,363 479,441

Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member] | HELOC and Jr Liens [Member]

Non-accruing loans 788,585 690,732

Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member]

Accruing past due loans 15,419 54

Financial Asset Originated [Member]

Current 1,841,048,778 1,659,191,112

Accruing past due loans 7,049,323 7,987,614

Non-accruing loans 4,554,196 939,445

Total Loans 1,852,652,297 1,668,118,171

Financial Asset Originated [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member]

Total Loans ^[1] 309,452,786 299,266,275

Financial Asset Originated [Member] | Commercial Real Estate Portfolio Segment [Member] | Investment [Member]

Non-accruing loans 576,671

Total Loans ^[1] 662,296,193 592,529,807

Financial Asset Originated [Member] | Commercial Real Estate Portfolio Segment [Member] | Land and A&D [Member]

Total Loans ^[1] 81,167,986 71,908,761

Financial Asset Originated [Member] | Residential Portfolio Segment [Member] | Residential First Investment [Member]

Non-accruing loans 392,490 192,501

Total Loans ^[1] 127,305,162 104,084,050

Financial Asset Originated [Member] | Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member]

Non-accruing loans 243,846 262,194

Total Loans ^[1] 108,338,535 108,696,078

Financial Asset Originated [Member] | Residential Portfolio Segment [Member] | HELOC and Jr Liens [Member]

Total Loans ^[1] 22,149,070 20,749,184

Financial Asset Originated [Member] | Commercial Portfolio Segment [Member]

Accruing past due loans 58,665

Non-accruing loans 336,179 191,388

Financial Asset Originated [Member] | Consumer Portfolio Segment [Member]

Non-accruing loans 29,071 15,658

Total Loans ^[1] 13,004,012 16,289,147

Financial Asset Originated [Member] | Financing Receivables 30 To 89 Days Past Due [Member]

Accruing past due loans 6,975,239 7,987,614

Financial Asset Originated [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member]

Accruing past due loans 1,692,891 3,990,558

Financial Asset Originated [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Investment [Member]

Accruing past due loans 1,716,554 1,729,404

Financial Asset Originated [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Land and A&D [Member]

Accruing past due loans 622,365 883,460

Financial Asset Originated [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Residential Portfolio Segment [Member] | Residential First Investment [Member]

Accruing past due loans 179,701

Financial Asset Originated [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member]

Accruing past due loans 90,884 94,178

Financial Asset Originated [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Residential Portfolio Segment [Member] | Land and A&D [Member]

Accruing past due loans

Financial Asset Originated [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Residential Portfolio Segment [Member] | HELOC and Jr Liens [Member]

Accruing past due loans 100,227 119,924

Financial Asset Originated [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Commercial Portfolio Segment [Member]

Accruing past due loans 2,615,507 670,318

Financial Asset Originated [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Consumer Portfolio Segment [Member]

Accruing past due loans 136,811 320,071

Financial Asset Originated [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]

Accruing past due loans 74,084

Financial Asset Originated [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member]

Accruing past due loans 2,691,810

Financial Asset Originated [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Investment [Member]

Accruing past due loans

Financial Asset Originated [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member] | Residential First Investment [Member]

Accruing past due loans

Financial Asset Originated [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member]

Accruing past due loans

Financial Asset Originated [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member] | Land and A&D [Member]

Non-accruing loans 284,129 277,704

Financial Asset Originated [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member] | HELOC and Jr Liens [Member]

Non-accruing loans

Financial Asset Originated [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member]

Accruing past due loans 15,419

Financial Assets Acquired [Member]

Current 614,066,133 729,738,007

Accruing past due loans 8,487,383 12,038,261

Non-accruing loans 2,975,417 3,717,647

Total Loans 625,528,933 745,493,915

Financial Assets Acquired [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member]

Total Loans 124,699,211 140,892,706

Financial Assets Acquired [Member] | Commercial Real Estate Portfolio Segment [Member] | Investment [Member]

Non-accruing loans 52,646 51,070

Total Loans 175,779,493 195,883,002

Financial Assets Acquired [Member] | Commercial Real Estate Portfolio Segment [Member] | Land and A&D [Member]

Total Loans 7,034,455 21,760,867

Financial Assets Acquired [Member] | Residential Portfolio Segment [Member] | Residential First Investment [Member]

Non-accruing loans 130,973 292,758

Total Loans 40,180,391 48,483,340

Financial Assets Acquired [Member] | Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member]

Non-accruing loans 1,446,632 2,027,974

Total Loans 123,386,650 140,221,589

Financial Assets Acquired [Member] | Residential Portfolio Segment [Member] | HELOC and Jr Liens [Member]

Total Loans 35,570,762 41,939,123

Financial Assets Acquired [Member] | Commercial Portfolio Segment [Member]

Accruing past due loans

Non-accruing loans 10,435 45,269

Financial Assets Acquired [Member] | Consumer Portfolio Segment [Member]

Non-accruing loans 87,825 180,846

Total Loans 25,708,210 34,919,111

Financial Assets Acquired [Member] | Financing Receivables 30 To 89 Days Past Due [Member]

Accruing past due loans 7,632,194 11,795,595

Financial Assets Acquired [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member]

Accruing past due loans

Financial Assets Acquired [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Investment [Member]

Accruing past due loans 3,099,400 3,849,944

Financial Assets Acquired [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Land and A&D [Member]

Accruing past due loans 413,191

Financial Assets Acquired [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Residential Portfolio Segment [Member] | Residential First Investment [Member]

Accruing past due loans 479,052 896,227

Financial Assets Acquired [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member]

Accruing past due loans 1,684,528 3,062,084

Financial Assets Acquired [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Residential Portfolio Segment [Member] | Land and A&D [Member]

Accruing past due loans 10,000 45,000

Financial Assets Acquired [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Residential Portfolio Segment [Member] | HELOC and Jr Liens [Member]

Accruing past due loans 512,939 790,989

Financial Assets Acquired [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Commercial Portfolio Segment [Member]

Accruing past due loans 1,253,843 1,444,347

Financial Assets Acquired [Member] | Financing Receivables 30 To 89 Days Past Due [Member] | Consumer Portfolio Segment [Member]

Accruing past due loans 602,432 1,338,813

Financial Assets Acquired [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member]

Accruing past due loans 855,189 242,666

Financial Assets Acquired [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Owner Occupied [Member]

Accruing past due loans 249,087 182,261

Financial Assets Acquired [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Commercial Real Estate Portfolio Segment [Member] | Investment [Member]

Accruing past due loans 139,247

Financial Assets Acquired [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member] | Residential First Investment [Member]

Accruing past due loans 83,391

Financial Assets Acquired [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member] | Residential First Owner Occupied [Member]

Accruing past due loans 771,798 103,365

Financial Assets Acquired [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member] | Land and A&D [Member]

Non-accruing loans 199,234 201,737

Financial Assets Acquired [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Residential Portfolio Segment [Member] | HELOC and Jr Liens [Member]

Non-accruing loans 788,585 690,732

Financial Assets Acquired [Member] | Financial Asset, Equal to or Greater than 90 Days Past Due [Member] | Consumer Portfolio Segment [Member]

Accruing past due loans $ 54

[1] As a result of the acquisitions of Maryland Bankcorp, Inc. ("Maryland Bankcorp"), the parent company of Maryland Bank & Trust Company, N.A. ("MB&T"), in April 2011, WSB Holdings Inc., the parent company of The Washington Savings Bank ("WSB"), in May 2013, Regal Bancorp, Inc. ("Regal"), the parent company of Regal Bank & Trust ("Regal Bank"), in December 2015, DCB Bancshares, Inc. ("DCB"), the parent company of Damascus Community Bank ("Damascus"), in July 2017, and BYBK, the parent company of Bay Bank, in April 2018, we have segmented the portfolio into two components, "Legacy" loans originated by Old Line Bank and "Acquired" loans acquired from MB&T, WSB, Regal Bank, Damascus and Bay Bank.

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Note 7 - Stock-based Compensation
9 Months Ended

Sep. 30, 2019

Notes to Financial Statements

Shareholders' Equity and Share-based Payments [Text Block]

7.

STOCK-BASED COMPENSATION

For the
three
months ended
September 30, 2019
and
2018,
we recorded stock-based compensation expense of
$340,217
and
$302,974,
respectively. For the
nine
months ended
September 30, 2019
and
2018,
we recorded stock-based compensation expense of
$1,000,138
and
$872,284,
respectively. At
September 30, 2019,
there was
$2.0
million of total unrecognized compensation cost related to non-vested stock options that we expect to realize over the next
2.0
years. As of
September 30, 2019,
there were
167,213
shares remaining available for future issuance under the
2010
equity incentive plan. The officers exercised
4,370
options during the
nine
-month period ended
September 30, 2019
compared to
53,021
options exercised during the
nine
-month period ended
September 30, 2018.

For purposes of determining estimated fair value of stock options, we have computed the estimated fair value of all stock-based compensation using the Black-Scholes option pricing model and, for stock options granted prior to
December 31, 2018,
we have applied the assumptions set forth in Old Line Bancshares’ Annual Report on Form
10
-K for the year ended
December
31,

2018.
Restricted stock awards are valued at the current stock price on the date of the award. During the
nine
months ended
September 30, 2019,
there were
no
stock options granted compared to
50,000
stock options granted during the
nine
months ended
September 30, 2018.
The weighted average grant date fair value of the
2018
stock options is
$8.90
and was computed using the Black-Scholes option pricing model under similar assumptions.

During the
nine
months ended
September 30, 2019
and
2018,
we granted
28,191
and
19,443
restricted common stock awards, respectively. The weighted average grant date fair value of these restricted stock awards was
$28.74
at
September 30, 2019.
At
September 30, 2019,
there was
$5.0
million of total unrecognized compensation cost related to restricted stock awards that we expect to realize over the next
2.5
years. There were
667
restricted shares forfeited during the
nine
-month period ended
September 30, 2019
and
no
restricted shares forfeited during the
nine
-month period ended
September 30, 2018.

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Note 3 - Investment Securities
9 Months Ended

Sep. 30, 2019

Notes to Financial Statements

Investments in Debt and Marketable Equity Securities (and Certain Trading Assets) Disclosure [Text Block]

3.

INVESTMENT SECURITIES

Presented below is a summary of the amortized cost and estimated fair value of securities.

Gross Gross

Amortized

unrealized

unrealized

Estimated

cost

gains

losses

fair value

September 30, 2019

Available for sale

U.S. Treasury $
2,992,763

$
3,018

$
—

$
2,995,781

U.S. government agency
59,034,066

1,126,506

(23,138

)

60,137,434

Corporate bonds
18,611,304

387,435

—

18,998,739

Foreign bonds
7,000,000

2,025

(17

)

7,002,008

Municipal securities
77,726,662

1,168,288

(382

)

78,894,568

Mortgage backed securities:

FHLMC certificates
17,009,957

19,704

(301,524

)

16,728,137

FNMA certificates
58,733,502

151,114

(945,451

)

57,939,165

GNMA certificates
25,913,190

80,616

(154,963

)

25,838,843

Total available for sale securities $
267,021,444

$
2,938,706

$
(1,425,475

)
$
268,534,675

December 31, 2018

Available for sale

U.S. Treasury $
3,003,410

$
—

$
(10,910

)
$
2,992,500

U.S. government agency
19,123,653

—

(517,475

)

18,606,178

Corporate bonds
18,615,768

227,691

(4,231

)

18,839,228

Foreign bonds
3,500,000

98

—

3,500,098

Municipal securities
79,416,920

19,392

(2,147,608

)

77,288,704

Mortgage backed securities

FHLMC certificates
19,079,921

962

(1,007,115

)

18,073,768

FNMA certificates
56,720,930

—

(3,062,170

)

53,658,760

GNMA certificates
27,873,539

—

(1,127,013

)

26,746,526

Total available for sale securities $
227,334,141

$
248,143

$
(7,876,522

)
$
219,705,762

At
September 30, 2019
and
December
31,

2018,
securities with unrealized losses segregated by length of impairment were as follows:

September 30, 2019

Less than 12 months 12 Months or More Total

Fair Unrealized Fair Unrealized Fair Unrealized

value losses value losses value losses

U.S. government agency $
—
$
—
$
3,922,889
$
23,138
$
3,922,889
$
23,138

Foreign debt securities
499,983

17

—

—

499,983

17

Municipal securities
495,906

382

—

—

495,906

382

Mortgage backed securities

FHLMC certificates
—

—

15,124,875

301,524

15,124,875

301,524

FNMA certificates
—

—

47,004,928

945,451

47,004,928

945,451

GNMA certificates
—

—

12,415,077

154,963

12,415,077

154,963

Total $
995,889
$
399
$
78,467,769
$
1,425,076
$
79,463,658
$
1,425,475

December 31, 2018

Less than 12 months 12 Months or More Total

Fair Unrealized Fair Unrealized Fair Unrealized

value losses value losses value losses

U.S. Treasury $
1,503,516
$
1,313
$
1,488,984
$
9,597
$
2,992,500
$
10,910

U.S. government agency
1,357,980

26,795

15,288,957

490,680

16,646,937

517,475

Corporate bonds
2,995,769

4,231

—

—

2,995,769

4,231

Municipal securities
13,707,759

100,387

54,243,374

2,047,221

67,951,133

2,147,608

Mortgage backed securities

FHLMC certificates
1,715,756

26,062

16,293,413

981,053

18,009,169

1,007,115

FNMA certificates
1,164,291

11,023

52,494,470

3,051,147

53,658,761

3,062,170

GNMA certificates
8,871,024

138,099

17,875,503

988,914

26,746,527

1,127,013

Total $
31,316,095
$
307,910
$
157,684,701
$
7,568,612
$
189,000,796
$
7,876,522

At
September 30, 2019
and
December
31,

2018,
we had
65
and
166
investment securities, respectively, in an unrealized loss position for
12
months or more and
2
and
34
securities, respectively, in an unrealized loss position for less than
12
months. We consider all unrealized losses on securities as of
September 30, 2019
to be temporary losses because we will redeem each security at face value at or prior to maturity. We have the ability and intent to hold these securities until recovery or maturity. As of
September 30, 2019,
we do
not
have the intent to sell any of the securities classified as available for sale and believe that it is more likely than
not
that we will
not
have to sell any such securities before a recovery of cost. In most cases, market interest rate fluctuations cause a temporary impairment in value. We expect the fair value to recover as the investments approach their maturity date or re-pricing date or if market yields for these investments decline. We do
not
believe that credit quality caused the impairment in any of these securities. Because we believe these impairments are temporary, we have
not
realized any loss in our consolidated statement of income.

Gain on sales or calls of investment securities for the
nine
months ended
September 30, 2019
is the result of
ten
callable agencies that were called compared to
no
sales or calls for the comparable
nine
months last year.

Contractual maturities and pledged securities at
September 30, 2019
are shown below. Actual maturities will differ from contractual maturities because borrowers
may
have the right to call or prepay obligations with or without prepayment penalties. We classify mortgage-backed securities (“MBS”) based on contractual maturity date. However, we receive payments on a monthly basis.

Available for Sale

Amortized Fair

September 30, 2019 cost value

Maturing

Within one year $
5,497,172
$
5,501,382

Over one to five years
7,291,284

7,307,682

Over five to ten years
89,753,727

91,175,688

Over ten years
164,479,261

164,549,923

Total $
267,021,444
$
268,534,675

Pledged securities $
121,507,956
$
120,840,383

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Note 11 - Leases - Lease Expense and Information (Details)
3 Months Ended 9 Months Ended

Sep. 30, 2019

USD ($)

Sep. 30, 2019

USD ($)

Three months ended September 30, 2019 $ 744,472 $ 2,185,178

Operating cash flows from operating leases 670,716 1,948,934

Operating leases 466,526 1,356,776

Operating lease right-of-use assets 27,743,459 27,743,459

Lease liabilities $ 28,276,343 $ 28,276,343

Weighted Average Remaining Operating Lease Term In Years (Year) 12 years 248 days 12 years 248 days

Weighted Average Discount Rate on Operating Leases 3.00% 3.00%

X

- Definition
Amount of single lease cost, calculated by allocation of remaining cost of lease over remaining lease term. Includes, but is not limited to, single lease cost, after impairment of right-of-use asset, calculated by amortization of remaining right-of-use asset and accretion of lease liability.
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Note 8 - Fair Value Measurement - Carrying and Fair Value (Details) - USD ($)

Sep. 30, 2019

Dec. 31, 2018

Loans held for sale, fair value $ 23,203,560 $ 11,860,147

Accrued interest receivable 7,960,574 7,958,511

Non-interest bearing 620,136,296 559,059,672

Interest bearing 1,793,209,494 1,736,989,227

Accrued interest payable 2,452,857 2,844,715

Reported Value Measurement [Member]

Cash and cash equivalents 47,001,000 44,501,000

Loans receivable, net 2,473,922,000 2,409,228,000

Loans held for sale, fair value 22,534,000 11,564,000

Equity Securities at cost 10,887,000 11,151,000

Accrued interest receivable 7,961,000 7,959,000

Non-interest bearing 620,136,000 559,060,000

Interest bearing 1,793,209,000 1,736,989,000

Short term borrowings 204,379,000 228,185,000

Long term borrowings 38,569,000 38,371,000

Accrued interest payable 2,453,000 2,845,000

Estimate of Fair Value Measurement [Member]

Cash and cash equivalents 47,001,000 44,501,000

Loans receivable, net 2,478,723,000 2,383,673,000

Loans held for sale, fair value 22,669,000 11,860,000

Equity Securities at cost 10,887,000 11,151,000

Accrued interest receivable 7,961,000 7,959,000

Non-interest bearing 620,136,000 559,060,000

Interest bearing 1,810,152,000 1,752,883,000

Short term borrowings 204,379,000 228,185,000

Long term borrowings 38,569,000 38,371,000

Accrued interest payable 2,453,000 2,845,000

Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 1 [Member]

Cash and cash equivalents 47,001,000 44,501,000

Loans receivable, net

Loans held for sale, fair value

Equity Securities at cost

Accrued interest receivable

Non-interest bearing

Interest bearing

Short term borrowings

Long term borrowings

Accrued interest payable

Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 2 [Member]

Cash and cash equivalents

Loans receivable, net

Loans held for sale, fair value 22,669,000 11,860,000

Equity Securities at cost 10,887,000 11,151,000

Accrued interest receivable 1,650,000 1,393,000

Non-interest bearing 620,136,000 559,060,000

Interest bearing 1,810,152,000 1,752,883,000

Short term borrowings 204,379,000 228,185,000

Long term borrowings 38,569,000 38,371,000

Accrued interest payable 2,453,000 2,845,000

Estimate of Fair Value Measurement [Member] | Fair Value, Inputs, Level 3 [Member]

Cash and cash equivalents

Loans receivable, net 2,478,723,000 2,383,673,000

Loans held for sale, fair value

Equity Securities at cost

Accrued interest receivable 6,311,000 6,566,000

Non-interest bearing

Interest bearing

Short term borrowings

Long term borrowings

Accrued interest payable

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Note 4 - Loans - Allowance by Impairment Methodology (Details) - USD ($)

Sep. 30, 2019

Dec. 31, 2018

Sep. 30, 2018

Total Loans $ 2,478,181,230 $ 2,413,612,086 $ 2,388,254,980

Financial Asset Originated [Member]

Individually evaluated for impairment with specific reserve 913,348 336,484

Individually evaluated for impairment without specific reserve 7,189,380 4,457,774

Other loans not individually evaluated 1,844,549,619 1,604,900,726

Total Loans 1,852,652,297 1,668,118,171

Financial Assets Acquired [Member]

Individually evaluated for impairment with specific reserve subsequent to acquisition (ASC 310-20 at acquisition) 696,280 548,632

Individually evaluated for impairment without specific reserve (ASC 310-20 at acquisition) 2,629,322 3,714,100

Individually evaluated for impairment without specific reserve (ASC 310-30 at acquisition) 7,976,192 14,109,970

Collectively evaluated for impairment without reserve (ASC 310-20 at acquisition) 614,227,139 760,687,294

Total Loans 625,528,933 745,493,915

Commercial Portfolio Segment [Member]

Total Loans 319,283,092 312,642,461

Commercial Portfolio Segment [Member] | Financial Asset Originated [Member]

Individually evaluated for impairment with specific reserve 261,831 93,892

Individually evaluated for impairment without specific reserve 388,132 509,772

Other loans not individually evaluated 254,438,109 215,125,991

Commercial Portfolio Segment [Member] | Financial Assets Acquired [Member]

Individually evaluated for impairment with specific reserve subsequent to acquisition (ASC 310-20 at acquisition) 84,995 68,888

Individually evaluated for impairment without specific reserve (ASC 310-20 at acquisition) 167,560

Individually evaluated for impairment without specific reserve (ASC 310-30 at acquisition) 172,609 559,248

Collectively evaluated for impairment without reserve (ASC 310-20 at acquisition) 63,937,416 96,617,110

Commercial Real Estate Portfolio Segment [Member]

Total Loans 1,610,589,823 1,510,000,000 1,504,997,269

Commercial Real Estate Portfolio Segment [Member] | Financial Asset Originated [Member]

Individually evaluated for impairment with specific reserve

Individually evaluated for impairment without specific reserve 6,050,882 3,453,579

Other loans not individually evaluated 1,278,067,839 1,113,299,121

Commercial Real Estate Portfolio Segment [Member] | Financial Assets Acquired [Member]

Individually evaluated for impairment with specific reserve subsequent to acquisition (ASC 310-20 at acquisition) 10,000 45,000

Individually evaluated for impairment without specific reserve (ASC 310-20 at acquisition) 340,824 773,457

Individually evaluated for impairment without specific reserve (ASC 310-30 at acquisition) 3,234,991 7,872,328

Collectively evaluated for impairment without reserve (ASC 310-20 at acquisition) 322,885,287 379,553,784

Residential Portfolio Segment [Member]

Total Loans 509,596,143 523,600,000 514,246,285

Residential Portfolio Segment [Member] | Financial Asset Originated [Member]

Individually evaluated for impairment with specific reserve 640,817 242,592

Individually evaluated for impairment without specific reserve 731,995 494,423

Other loans not individually evaluated 299,068,731 258,804,372

Residential Portfolio Segment [Member] | Financial Assets Acquired [Member]

Individually evaluated for impairment with specific reserve subsequent to acquisition (ASC 310-20 at acquisition) 583,532 407,735

Individually evaluated for impairment without specific reserve (ASC 310-20 at acquisition) 2,194,595 2,720,353

Individually evaluated for impairment without specific reserve (ASC 310-30 at acquisition) 4,568,592 5,664,394

Collectively evaluated for impairment without reserve (ASC 310-20 at acquisition) 201,807,881 245,912,416

Consumer Portfolio Segment [Member]

Total Loans 38,712,222 51,208,258 56,368,965

Consumer Portfolio Segment [Member] | Financial Asset Originated [Member]

Individually evaluated for impairment with specific reserve 10,700

Individually evaluated for impairment without specific reserve 18,371

Other loans not individually evaluated 12,974,940 17,671,242

Total Loans ^[1] 13,004,012 16,289,147

Consumer Portfolio Segment [Member] | Financial Assets Acquired [Member]

Individually evaluated for impairment with specific reserve subsequent to acquisition (ASC 310-20 at acquisition) 17,753 27,009

Individually evaluated for impairment without specific reserve (ASC 310-20 at acquisition) 93,903 52,730

Individually evaluated for impairment without specific reserve (ASC 310-30 at acquisition) 14,000

Collectively evaluated for impairment without reserve (ASC 310-20 at acquisition) 25,596,555 $ 38,603,984

Total Loans $ 25,708,210 $ 34,919,111

[1] As a result of the acquisitions of Maryland Bankcorp, Inc. ("Maryland Bankcorp"), the parent company of Maryland Bank & Trust Company, N.A. ("MB&T"), in April 2011, WSB Holdings Inc., the parent company of The Washington Savings Bank ("WSB"), in May 2013, Regal Bancorp, Inc. ("Regal"), the parent company of Regal Bank & Trust ("Regal Bank"), in December 2015, DCB Bancshares, Inc. ("DCB"), the parent company of Damascus Community Bank ("Damascus"), in July 2017, and BYBK, the parent company of Bay Bank, in April 2018, we have segmented the portfolio into two components, "Legacy" loans originated by Old Line Bank and "Acquired" loans acquired from MB&T, WSB, Regal Bank, Damascus and Bay Bank.

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Consolidated Statements of Cash Flows (Unaudited) - USD ($)
9 Months Ended

Sep. 30, 2019

Sep. 30, 2018

Cash flows from operating activities

Net income $ 26,600,483 $ 17,055,844

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

Depreciation and amortization 2,379,624 2,334,125

Provision for loan losses 942,758 1,235,023

Change in deferred loan fees net of costs (595,490) (791,450)

Gain on sales or calls of securities (560,186)

Amortization of premiums and discounts 547,518 636,357

Origination of loans held for sale (120,463,317) (77,092,451)

Proceeds from sale of loans held for sale 107,165,053 71,324,767

Loss on write down of stock 152,496

Loss on sales of other real estate owned 80,738

Gain on sale of fixed assets (32,599) (13,266)

Amortization of intangible assets 1,961,631 1,516,734

Deferred income taxes 286,390 278,439

Stock based compensation awards 1,000,138 872,284

Increase (decrease) in

Accrued interest payable (391,858) 171,712

Income tax payable (2,157,375)

Supplemental executive retirement plan 117,553 230,263

Other liabilities (1,450,261) (436,815)

Decrease (increase) in

Accrued interest receivable (2,063) (882,542)

Bank owned life insurance (1,247,119) (1,059,152)

Annuity plan 41,699 (316,818)

Income tax receivable 4,891,076 1,134,944

Other assets (614,964) (86,942)

Net cash provided by operating activities 20,576,066 14,186,915

Cash flows from investing activities

Cash and cash equivalents of acquired bank, net of cash consideration 21,617,611

Purchase of investment securities available for sale (104,025,115) (20,483,491)

Available for sale at maturity, call or paydowns 64,350,481 15,876,726

Available for sale sold 51,650,175

Loans made, net of principal collected (62,921,587) (141,256,263)

Purchase of bank owned life insurance (8,500,000)

Proceeds from sale of other real estate owned 1,495,173

Change in equity securities 263,947 (1,745,803)

Purchase of premises and equipment (1,828,077) (1,093,079)

Proceeds from the sale of premises and equipment 32,599 13,266

Net cash used in investing activities (104,127,752) (82,425,685)

Cash flows from financing activities

Time deposits 2,269,821 245,116,710

Other deposits 115,027,070 (197,147,516)

Short term borrowing advances 1,305,000,000 1,389,200,000

Short term borrowing repayments (1,328,806,184) (1,350,377,081)

Long term borrowings 198,052 198,051

Proceeds from stock options exercised 48,931 783,615

Repurchase of stock through stock repurchase program (1,556,634)

Cash dividends paid-common stock (6,128,672) (4,402,915)

Net cash provided by financing activities 86,052,384 83,370,864

Net increase in cash and cash equivalents 2,500,698 15,132,094

Cash and cash equivalents at beginning of period 44,500,618 35,174,111

Cash and cash equivalents at end of period 47,001,316 50,306,205

Supplemental Disclosure of Cash Flow Information:

Interest 24,023,527 14,197,656

Income taxes 5,750,804 7,600,000

Loans transferred to other real estate owned 209,124 1,041,079

Loans transferred to available for sale - BYBK acquisition 21,643,292

Initial recognition of right of use asset 26,395,472

Initial recognition of right of use liability 26,692,114

Fair value of assets acquired 650,194,375

Other intangible assets acquired 80,828,494

Fair value of liabilities assumed (587,403,791)

Total merger consideration $ 143,619,078

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Note 7 - Stock-based Compensation (Details Textual) - USD ($)
3 Months Ended 9 Months Ended

Sep. 30, 2019

Sep. 30, 2018

Sep. 30, 2019

Sep. 30, 2018

Share-based Payment Arrangement, Expense $ 340,217 $ 302,974 $ 1,000,138 $ 872,284

Share-based Payment Arrangement, Nonvested Award, Option, Cost Not yet Recognized, Amount $ 2,000,000 $ 2,000,000

Common Stock, Capital Shares Reserved for Future Issuance 167,213 167,213

Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Gross 0 50,000

Share-based Compensation Arrangements by Share-based Payment Award, Options, Grants in Period, Weighted Average Exercise Price $ 8.90

Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period 28,191 19,443

Officer [Member]

Share-based Compensation Arrangement by Share-based Payment Award, Options, Exercises in Period 4,370 53,021

Share-based Payment Arrangement, Option [Member]

Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition 2 years

Restricted Stock [Member]

Share-based Payment Arrangement, Nonvested Award, Option, Cost Not yet Recognized, Amount $ 5,000,000 $ 5,000,000

Share-based Payment Arrangement, Nonvested Award, Cost Not yet Recognized, Period for Recognition 2 years 182 days

Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period, Weighted Average Grant Date Fair Value $ 28.74

Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Forfeited in Period 667 0

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Note 8 - Fair Value Measurement (Tables)
9 Months Ended

Sep. 30, 2019

Notes Tables

Schedule of Fair Value, Assets and Liabilities Measured on Recurring Basis [Table Text Block]

At September 30, 2019 (In thousands)

Quoted Prices in Other Significant Total Changes

Active Markets for Observable Unobservable in Fair Values

Identical Assets Inputs Inputs Included in

Carrying Value (Level 1) (Level 2) (Level 3) Period Earnings

Available-for-sale:

Treasury securities $
2,996
$
2,996
$
—
$
—
$
—

U.S. government agency
60,137

—

60,137

—

—

Corporate bonds
18,999

—

—

18,999

—

Foreign debt securities
7,002

—

—

7,002

Municipal securities
78,895

—

78,895

—

—

FHLMC MBS
16,728

—

16,728

—

—

FNMA MBS
57,939

—

57,939

—

—

GNMA MBS
25,839

—

25,839

—

—

Total recurring assets at fair value $
268,535
$
2,996
$
239,538
$
26,001
$
—

At December 31, 2018 (In thousands)

Quoted Prices in Other Significant Total Changes

Active Markets for Observable Unobservable in Fair Values

Identical Assets Inputs Inputs Included in

Carrying Value (Level 1) (Level 2) (Level 3) Period Earnings

Available-for-sale:

Treasury securities $
2,993
$
2,993
$
—
$
—
$
—

U.S. government agency
18,606

—

18,606

—

—

Corporate bonds
18,843

—

—

18,843

—

Foreign debt securities
3,496

—

—

3,496

—

Municipal securities
77,289

—

77,289

—

—

FHLMC MBS
18,074

—

18,074

—

—

FNMA MBS
53,659

—

53,659

—

—

GNMA MBS
26,746

—

26,746

—

—

Total recurring assets at fair value $
219,706
$
2,993
$
194,374
$
22,339
$
—

Fair Value, Assets Measured on Recurring Basis, Unobservable Input Reconciliation [Table Text Block]

(in thousands) Level 3

Investment available-for-sale

Balance as of January 1, 2019 $
22,339

Realized and unrealized gains (losses)

Included in earnings
—

Included in other comprehensive income
162

Purchases, issuances, sales and settlements
3,500

Transfers into or out of level 3
—

Balance at September 30, 2019 $
26,001

Fair Value Measurements, Nonrecurring [Table Text Block]

At September 30, 2019 (In thousands)

Quoted Prices in Other Significant

Active Markets for Observable Unobservable

Identical Assets Inputs Inputs

Carrying Value (Level 1) (Level 2) (Level 3)

Impaired Loans

Legacy: $
7,933

—

—
$
7,933

Acquired:
3,109

—

—

3,109

Total Impaired Loans
11,042

—

—

11,042

Other real estate owned:

Legacy: $
—

—

—
$
—

Acquired:
1,092

—

—

1,092

Total other real estate owned:
1,092

—

—

1,092

Total $
12,134
$
—
$
—
$
12,134

At December 31, 2018 (In thousands)

Quoted Prices in Other Significant

Active Markets for Observable Unobservable

Identical Assets Inputs Inputs

Carrying Value (Level 1) (Level 2) (Level 3)

Impaired Loans

Legacy: $
2,745

—

—
$
2,745

Acquired:
3,894

—

—

3,894

Total Impaired Loans
6,639

—

—

6,639

Other real estate owned:

Legacy: $
—

—

—
$
—

Acquired:
883

—

—

883

Total other real estate owned:
883

—

—

883

Total $
7,522
$
—
$
—
$
7,522

Fair Value, by Balance Sheet Grouping [Table Text Block]

September 30, 2019 (in thousands)

Quoted Prices Significant Significant

Total

in Active

Other

Other

Carrying

Estimated

Markets for

Observable

Unobservable

Amount

Fair

Identical Assets

Inputs

Inputs

(000’s)

Value

(Level 1)

(Level 2)

(Level 3)

Assets:

Cash and cash equivalents $
47,001

$
47,001

$
47,001

$
—

$
—

Loans receivable, net
2,473,922

2,478,723

—

—

2,478,723

Loans held for sale
22,534

22,669

—

22,669

—

Equity Securities at cost
10,887

10,887

—

10,887

—

Accrued interest receivable
7,961

7,961

—

1,650

6,311

Liabilities:

Deposits:

Non-interest-bearing
620,136

620,136

—

620,136

—

Interest bearing
1,793,209

1,810,152

—

1,810,152

—

Short term borrowings
204,379

204,379

—

204,379

—

Long term borrowings
38,569

38,569

—

38,569

—

Accrued interest payable
2,453

2,453

—

2,453

—

December 31, 2018 (in thousands)

Quoted Prices Significant Significant

Total

in Active

Other

Other

Carrying

Estimated

Markets for

Observable

Unobservable

Amount

Fair

Identical Assets

Inputs

Inputs

(000’s)

Value

(Level 1)

(Level 2)

(Level 3)

Assets:

Cash and cash equivalents $
44,501

$
44,501

$
44,501

$
—

$
—

Loans receivable, net
2,409,228

2,383,673

—

—

2,383,673

Loans held for sale
11,564

11,860

—

11,860

—

Equity Securities at cost
11,151

11,151

—

11,151

—

Accrued interest receivable
7,959

7,959

—

1,393

6,566

Liabilities:

Deposits:

Non-interest-bearing
559,060

559,060

—

559,060

—

Interest bearing
1,736,989

1,752,883

—

1,752,883

—

Short term borrowings
228,185

228,185

—

228,185

—

Long term borrowings
38,371

38,371

—

38,371

—

Accrued interest payable
2,845

2,845

—

2,845

—

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Note 3 - Investment Securities (Tables)
9 Months Ended

Sep. 30, 2019

Notes Tables

Schedule of Available-for-sale Securities Reconciliation [Table Text Block]

Gross Gross

Amortized

unrealized

unrealized

Estimated

cost

gains

losses

fair value

September 30, 2019

Available for sale

U.S. Treasury $
2,992,763

$
3,018

$
—

$
2,995,781

U.S. government agency
59,034,066

1,126,506

(23,138

)

60,137,434

Corporate bonds
18,611,304

387,435

—

18,998,739

Foreign bonds
7,000,000

2,025

(17

)

7,002,008

Municipal securities
77,726,662

1,168,288

(382

)

78,894,568

Mortgage backed securities:

FHLMC certificates
17,009,957

19,704

(301,524

)

16,728,137

FNMA certificates
58,733,502

151,114

(945,451

)

57,939,165

GNMA certificates
25,913,190

80,616

(154,963

)

25,838,843

Total available for sale securities $
267,021,444

$
2,938,706

$
(1,425,475

)
$
268,534,675

December 31, 2018

Available for sale

U.S. Treasury $
3,003,410

$
—

$
(10,910

)
$
2,992,500

U.S. government agency
19,123,653

—

(517,475

)

18,606,178

Corporate bonds
18,615,768

227,691

(4,231

)

18,839,228

Foreign bonds
3,500,000

98

—

3,500,098

Municipal securities
79,416,920

19,392

(2,147,608

)

77,288,704

Mortgage backed securities

FHLMC certificates
19,079,921

962

(1,007,115

)

18,073,768

FNMA certificates
56,720,930

—

(3,062,170

)

53,658,760

GNMA certificates
27,873,539

—

(1,127,013

)

26,746,526

Total available for sale securities $
227,334,141

$
248,143

$
(7,876,522

)
$
219,705,762

Schedule of Unrealized Loss on Investments [Table Text Block]

September 30, 2019

Less than 12 months 12 Months or More Total

Fair Unrealized Fair Unrealized Fair Unrealized

value losses value losses value losses

U.S. government agency $
—
$
—
$
3,922,889
$
23,138
$
3,922,889
$
23,138

Foreign debt securities
499,983

17

—

—

499,983

17

Municipal securities
495,906

382

—

—

495,906

382

Mortgage backed securities

FHLMC certificates
—

—

15,124,875

301,524

15,124,875

301,524

FNMA certificates
—

—

47,004,928

945,451

47,004,928

945,451

GNMA certificates
—

—

12,415,077

154,963

12,415,077

154,963

Total $
995,889
$
399
$
78,467,769
$
1,425,076
$
79,463,658
$
1,425,475

December 31, 2018

Less than 12 months 12 Months or More Total

Fair Unrealized Fair Unrealized Fair Unrealized

value losses value losses value losses

U.S. Treasury $
1,503,516
$
1,313
$
1,488,984
$
9,597
$
2,992,500
$
10,910

U.S. government agency
1,357,980

26,795

15,288,957

490,680

16,646,937

517,475

Corporate bonds
2,995,769

4,231

—

—

2,995,769

4,231

Municipal securities
13,707,759

100,387

54,243,374

2,047,221

67,951,133

2,147,608

Mortgage backed securities

FHLMC certificates
1,715,756

26,062

16,293,413

981,053

18,009,169

1,007,115

FNMA certificates
1,164,291

11,023

52,494,470

3,051,147

53,658,761

3,062,170

GNMA certificates
8,871,024

138,099

17,875,503

988,914

26,746,527

1,127,013

Total $
31,316,095
$
307,910
$
157,684,701
$
7,568,612
$
189,000,796
$
7,876,522

Investments Classified by Contractual Maturity Date [Table Text Block]

Available for Sale

Amortized Fair

September 30, 2019 cost value

Maturing

Within one year $
5,497,172
$
5,501,382

Over one to five years
7,291,284

7,307,682

Over five to ten years
89,753,727

91,175,688

Over ten years
164,479,261

164,549,923

Total $
267,021,444
$
268,534,675

Pledged securities $
121,507,956
$
120,840,383

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Note 11 - Leases
9 Months Ended

Sep. 30, 2019

Notes to Financial Statements

Leases of Lessee Disclosure [Text Block]

11.

LEASES

We have operating leases in which we are the lessee, and such leases are recorded on our consolidated balance sheets as operating lease ROU assets in other assets and operating lease liabilities in other liabilities. We are
not
a party to any significant finance leases pursuant to which we are the lessee.

Operating lease ROU assets represent our right to use an underlying asset during the lease term and operating lease liabilities represent our obligation to make lease payments arising from the lease during the lease term. We recognize ROU assets and operating lease liabilities at lease commencement based on the present value of the remaining lease payments using a discount rate that represents our incremental collateralized borrowing rate at the lease commencement date. We further adjust ROU assets for lease incentives. We recognize operating lease expense, which is comprised of amortization of the ROU asset and the implicit interest accreted on the operating lease liability, on a straight-line basis over the lease term, and record operating lease expense in net occupancy expense in the consolidated statements of income and other comprehensive income.

Our leases relate primarily to office space and bank branches with remaining lease terms of generally
1
to
20
years. Certain lease arrangements contain extension options that typically range from
5
to
10
years at the then fair market rental rates. As these extension options are
not
generally considered reasonably certain of exercise, we do
not
include them in the lease term.

The tables below summarizes our net lease cost:

The operating lease costs expense were as follows:

Three months ended September 30, 2019 $
744,472

Nine Months ended September 30, 2019 $
2,185,178

Supplemental cash flow information related to leases was as follows:

Three months ended September 30, 2019

Operating cash flows from operating leases $
670,716

Right-of-use assets obtained in exchange for lease

Operating leases $
466,526

Nine months ended September 30,

Operating cash flows from operating leases $
1,948,934

Right-of-use assets obtained in exchange for lease

Operating leases $
1,356,776

Supplemental balance sheet information related to leases was as follows:

Nine months ended September 30, 2019 2019

Operating lease right-of-use assets $
27,743,459

Lease liabilities $
28,276,343

Weighted Average Remaining Operating Lease Term In Years
12.68

Weighted Average Discount Rate on Operating Leases
3.00
%

Maturities of lease liabilities were as follows: (includes extensions of leases)

Operating

Leases

One year or less $
1,902,749

One to three years
4,080,198

Three to five years
4,238,506

Thereafter
18,501,545

Total undiscounted cash flows
28,722,998

Discount of cash flows
(446,655
)

Total lease liability $
28,276,343

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Significant Accounting Policies (Policies)	9 Months Ended
Significant Accounting Policies (Policies)	Sep. 30, 2019
Accounting Policies [Abstract]
Consolidation, Policy [Policy Text Block]	Basis of Presentation and Consolidation - The accompanying condensed consolidated financial statements include the activity of Old Line Bancshares and its wholly owned subsidiary, Old Line Bank. We have eliminated all significant intercompany transactions and balances. The foregoing consolidated financial statements for the periods ended September 30, 2019 and 2018 are unaudited and have been prepared in accordance with U.S. generally accepted accounting principles (“U.S. GAAP”), however, in the opinion of management we have included all adjustments necessary for a fair presentation of the results of the interim period. We derived the balances as of December 31, 2018 from audited financial statements. These statements should be read in conjunction with Old Line Bancshares’ financial statements and accompanying notes included in Old Line Bancshares’ Form 10 -K for the year ended December 31, 2018. We have made no significant changes to Old Line Bancshares’ accounting policies as disclosed in the Form 10 -K, except as described in the Recent Accounting Pronouncements section below.
Accounting Changes [Policy Text Block]	Accounting Changes - Accounting Standards Update (“ASU”) 2016 - 02, Leases ( Topic 842 ) requires that lessees and lessors recognize lease assets and lease liabilities on the balance sheet and disclose key information about leasing arrangements. ASU 2016 - 02 was effective for us on January 1, 2019. ASU 2016 - 02 provides for a modified retrospective transition approach requiring lessees to recognize and measure leases on the balance sheet at the beginning of either the earliest period presented or as of the beginning of the period of adoption with the option to elect certain practical expedients. We elected to apply ASU 2016 - 02 at of the beginning of the period of adoption ( January 1, 2019) and have not restated comparative periods. Our operating leases relate primarily to office space and bank branches. As a result of implementing ASU 2016 - 02, we recognized an operating lease right-of-use (“ROU”) asset of $26.2 million and an operating lease liability of $26.5 million on January 1, 2019, with no impact on our consolidated statements of income or consolidated statements of cash flows compared to the prior lease accounting model. The ROU asset and operating lease liability are recorded in other assets and other liabilities, respectively, in the consolidated balance sheets. See Note 11 - Leases for additional information.
Use of Estimates, Policy [Policy Text Block]	Use of Estimates - The preparation of financial statements in conformity with U.S. 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. These estimates and assumptions may affect the reported amounts of revenues and expenses during the reporting period. Actual results could differ from these estimates. A material estimate that is particularly susceptible to significant change in the near term relates to the determination of the allowance for loan losses.
Reclassification, Policy [Policy Text Block]	Reclassifications - We have made certain reclassifications to the 2018 financial presentation to conform to the 2019 presentation. These reclassifications did not change net income or stockholders’ equity.
New Accounting Pronouncements, Policy [Policy Text Block]	Recent Accounting Pronouncements In June 2016, the Financial Accounting Standards Board (“FASB”) issued ASU 2016 - 13 , Financial Instruments – Credit Losses (Topic 326 ): Measurement of Credit Losses on Financial Instruments , which sets forth a “current expected credit loss” (“CECL”) model requiring Old Line Bancshares to measure all expected credit losses for financial instruments held at the reporting date based on historical experience, current conditions and reasonable supportable forecasts. This replaces the existing incurred loss model and is applicable to the measurement of credit losses on financial assets measured at amortized cost and applies to some off-balance sheet credit exposures. For public business entities that are U.S. Securities and Exchange Commission filers, the amendments in this update are effective for fiscal years beginning after December 15, 2019, including interim periods within those fiscal years. Old Line Bancshares has constituted a committee that has the responsibility to gather loan information and consider acceptable methodologies to comply with this ASU. The committee meets periodically to discuss the latest developments and committee members keep themselves updated on such developments via webcasts, publications, and conferences. We have also evaluated and selected a third party vendor solution to assist us in the application of ASU 2016 - 13. The adoption of ASU 2016 - 13 is likely to result in an increase in the allowance for loan losses as a result of changing from an “incurred loss” model, which encompasses allowances for current known and inherent losses within the portfolio, to an “expected loss” model, which encompasses allowances for losses expected to be incurred over the life of the portfolio. We are currently awaiting final comparison results on the parallel model compared to the CECL model. Due to the expected merger with WesBanco, the CECL model will be transitioned into and with WesBanco’s model. Old Line Bancshares’ evaluation indicates that the provisions of ASU 2016 - 13 will impact its consolidated financial statements, in particular the level of the reserve for loan losses. We are, however, continuing to evaluate the extent of the potential impact. In March 2017, FASB issued ASU 2017 - 08, Premium Amortization on Purchased Callable Debt Securities . This ASU shortens the amortization period for the premium on certain purchased callable debt securities to the earliest call date. Previously, entities generally amortized the premium over the contractual life of the security. The guidance does not change the accounting for purchased callable debt securities held at a discount; the discount continues to be amortized to maturity. ASU 2017 - 08 was effective for interim and annual reporting periods beginning after December 15, 2018; early adoption was permitted. The guidance calls for a modified retrospective transition approach under which a cumulative-effect adjustment will be made to retained earnings as of the beginning of the first reporting period in which the guidance is adopted. The adoption of this guidance did not have a material impact on Old Line Bancshares’ consolidated financial statements. In July 2018, FASB issued ASU 2018 - 11, Leases (Topic 842 ): Targeted Improvements. The amendments set forth therein provide entities with an additional (and optional) transition method to adopt the new leases standard set forth in ASU 2016 - 02. Under such new transition method, an entity initially applies the new leases standard at the adoption date and recognizes a cumulative-effect adjustment to the opening balance of retained earnings in the period of adoption. Consequently, an entity’s reporting for the comparative periods presented in the financial statements in which it adopts the new leases standard will continue to be in accordance with U.S. GAAP (Topic 840, Leases ). The amendments also provide lessors with a practical expedient, by class of underlying asset, to not separate non-lease components from the associated lease component and, instead, to account for those components as a single component if the non-lease components otherwise would be accounted for under the new revenue guidance (Topic 606 ) and certain criteria are met. If the non-lease component or components associated with the lease component are the predominant component of the combined component, an entity is required to account for the combined component in accordance with Topic 606. Otherwise, the entity must account for the combined component as an operating lease in accordance with Topic 842 . The amendments have the same effective date as ASU 2016 - 02 ( January 1, 2019 for Old Line Bancshares). Old Line Bancshares elected the transition options. ASU 2018 - 11 did not have a material impact on our consolidated financial statements. ASU 2019 - 01, Leases (Topic 842 ) , provides clarifications to increase transparency and comparability among organizations by recognizing lease assets and liabilities on the balance sheet and disclosing essential information about leasing transactions. Specifically, ASU 2019 - 01 (i) allows the fair value of the underlying asset reported by lessors that are not manufacturers or dealers to continue to be its cost and not fair value as measured under the fair value definition, (ii) allows for the cash flows received for sales-type and direct financing leases to continue to be presented as results from investing, and (iii) clarifies that entities do not have to disclose the effect of the lease standard on adoption year interim amounts. ASU 2019 - 01 will be effective for us on January 1, 2020 and will not have a material impact on our consolidated financial statements.

Note 5 - Other Real Estate Owned (Details Textual)	Sep. 30, 2019 USD ($)	Dec. 31, 2018 USD ($)	Sep. 30, 2018 USD ($)
Other Real Estate, Foreclosed Assets, and Repossessed Assets, Total	$ 1,091,634	$ 882,510
Loans in Process of Foreclosure, Number	6		5
Mortgage Loans in Process of Foreclosure, Amount	$ 474,000		$ 786,000
Residential Portfolio Segment [Member]
Other Real Estate, Foreclosed Assets, and Repossessed Assets, Total	$ 544,000	$ 544,000

Consolidated Balance Sheets (Current Period Unaudited) - USD ($)	Sep. 30, 2019	Dec. 31, 2018
Assets
Cash and due from banks	$ 44,987,316	$ 41,495,763
Interest bearing accounts	1,625,029	2,051,273
Federal funds sold	388,971	953,582
Total cash and cash equivalents	47,001,316	44,500,618
Investment securities available for sale-at fair value	268,534,675	219,705,762
Loans held for sale, fair value of $23,203,560 and $11,860,147	22,534,097	11,564,993
Loans held for investment (net of allowance for loan losses of $8,001,352 and $7,471,023, respectively)	2,473,922,052	2,409,227,698
Equity securities at cost	10,886,803	11,150,750
Premises and equipment	42,073,240	42,624,787
Accrued interest receivable	7,960,574	7,958,511
Income taxes receivable	123,434	5,014,510
Deferred income taxes	1,858,345	4,660,278
Bank owned life insurance	69,167,140	67,920,021
Annuity Plan	6,226,727	6,268,426
Other real estate owned	1,091,634	882,510
Goodwill	94,668,455	94,668,455
Core deposit intangible	13,400,601	15,362,232
Other assets	37,388,851	8,497,544
Total assets	3,096,837,944	2,950,007,095
Deposits
Non-interest bearing	620,136,296	559,059,672
Interest bearing	1,793,209,494	1,736,989,227
Total deposits	2,413,345,790	2,296,048,899
Short term borrowings	204,378,672	228,184,856
Long term borrowings	38,569,343	38,371,291
Accrued interest payable	2,452,857	2,844,715
Supplemental executive retirement plan	6,115,372	5,997,819
Other liabilities	34,615,063	7,788,981
Total liabilities	2,699,477,097	2,579,236,561
Stockholders’ equity
Common stock, par value $0.01 per share; 25,000,000 shares authorized; 16,999,146 and 17,031,052 shares issued and outstanding in 2019 and 2018, respectively	169,991	170,311
Additional paid-in capital	292,993,861	293,501,107
Retained earnings	103,100,167	82,628,356
Accumulated other comprehensive income (loss)	1,096,828	(5,529,240)
Total stockholders’ equity	397,360,847	370,770,534
Total liabilities and stockholders’ equity	$ 3,096,837,944	$ 2,950,007,095

Note 2 - Acquisition of Bay Bancorp, Inc. - Assets and Liabilities Acquired (Details) - USD ($)		9 Months Ended
	Apr. 13, 2018	Sep. 30, 2019	Sep. 30, 2018
Total purchase price for BYBK acquisition			$ 143,619,078
Fair Value of Liabilities assumed
Total liabilities assumed			587,403,791
Total Purchase Price			$ 143,619,078
Bay Bancorp, Inc [Member]
Cash consideration	$ 973,383
Purchase price assigned to shares exchanged for stock	142,645,695
Total purchase price for BYBK acquisition	143,619,078
Cash and due from banks	22,590,994
Investment securities	51,895,757
Restricted equity securities, at cost	2,339,700
Loans, net	546,215,988
Premises and equipment	3,127,963
Accrued interest receivable	1,714,054
Accrued taxes receivable	1,912,807
Deferred income taxes	1,219,602
Bank owned life insurance	16,319,198
Other real estate owned	1,041,079
Core deposit intangible	11,243,714
Other assets	1,817,233
Total assets acquired	661,438,089
Fair Value of Liabilities assumed
Deposits	541,368,907
Short term borrowings	41,100,000
Other liabilities	4,934,884
Total liabilities assumed	587,403,791
Fair Value of net assets acquired	74,034,298
Total Purchase Price	143,619,078
Goodwill recorded for BYBK	$ 69,584,780

Note 3 - Investment Securities - Contractual Maturities (Details)	Sep. 30, 2019 USD ($)
Within one year, amortized cost	$ 5,497,172
Within one year, fair value	5,501,382
Over one to five years, amortized cost	7,291,284
Over one to five years, fair value	7,307,682
Over five to ten years, amortized cost	89,753,727
Over five to ten years, fair value	91,175,688
Over ten years, amortized cost	164,479,261
Over ten years, fair value	164,549,923
Total, amortized cost	267,021,444
Total, fair value	268,534,675
Pledged securities, amortized cost	121,507,956
Pledged securities, fair value	$ 120,840,383

Note 11 - Leases (Details Textual)	Sep. 30, 2019
Minimum [Member]
Lessee, Operating Lease, Term of Contract	1 year
Lessee, Operating Lease, Renewal Term	5 years
Maximum [Member]
Lessee, Operating Lease, Term of Contract	20 years
Lessee, Operating Lease, Renewal Term	10 years

Note 8 - Fair Value Measurement - Loan Fair Value on a Non-recurring Basis (Details) - USD ($)	Sep. 30, 2019	Dec. 31, 2018
Impaired Loans	$ 9,766,426	$ 9,168,226
Fair Value, Inputs, Level 3 [Member]
Total	12,100,000	7,500,000
Fair Value, Nonrecurring [Member]
Impaired Loans	11,042,000	6,639,000
Other real estate owned	1,092,000	883,000
Total	12,134,000	7,522,000
Fair Value, Nonrecurring [Member] \| Fair Value, Inputs, Level 1 [Member]
Impaired Loans
Other real estate owned
Total
Fair Value, Nonrecurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Impaired Loans
Other real estate owned
Total
Fair Value, Nonrecurring [Member] \| Fair Value, Inputs, Level 3 [Member]
Impaired Loans	11,042,000	6,639,000
Other real estate owned	1,092,000	883,000
Total	12,134,000	7,522,000
Legacy [Member] \| Fair Value, Nonrecurring [Member]
Impaired Loans	7,933,000	2,745,000
Other real estate owned
Legacy [Member] \| Fair Value, Nonrecurring [Member] \| Fair Value, Inputs, Level 1 [Member]
Impaired Loans
Other real estate owned
Legacy [Member] \| Fair Value, Nonrecurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Impaired Loans
Other real estate owned
Legacy [Member] \| Fair Value, Nonrecurring [Member] \| Fair Value, Inputs, Level 3 [Member]
Impaired Loans	7,933,000	2,745,000
Other real estate owned
Acquired [Member] \| Fair Value, Nonrecurring [Member]
Impaired Loans	3,109,000	3,894,000
Other real estate owned	1,092,000	883,000
Acquired [Member] \| Fair Value, Nonrecurring [Member] \| Fair Value, Inputs, Level 1 [Member]
Impaired Loans
Other real estate owned
Acquired [Member] \| Fair Value, Nonrecurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Impaired Loans
Other real estate owned
Acquired [Member] \| Fair Value, Nonrecurring [Member] \| Fair Value, Inputs, Level 3 [Member]
Impaired Loans	3,109,000	3,894,000
Other real estate owned	$ 1,092,000	$ 883,000

Consolidated Statement of Changes in Stockholders' Equity (Unaudited) (Parentheticals) - $ / shares	3 Months Ended
	Sep. 30, 2019	Jun. 30, 2019	Mar. 31, 2019	Sep. 30, 2018	Jun. 30, 2018	Mar. 31, 2018
Retained Earnings [Member]
Dividends per common share (in dollars per share)	$ 0.12	$ 0.12	$ 0.12			$ 0.08
Dividends per common share (in dollars per share)				$ 0.10	$ 0.10

Consolidated Statements of Income (Unaudited) - USD ($)	3 Months Ended		9 Months Ended
Consolidated Statements of Income (Unaudited) - USD ($)	Sep. 30, 2019	Sep. 30, 2018	Sep. 30, 2019	Sep. 30, 2018
Interest Income
Loans, including fees	$ 29,125,029	$ 29,056,814	$ 87,101,189	$ 75,206,303
U.S. Treasury securities	16,156	16,325	48,423	42,953
U.S. government agency securities	527,463	89,953	1,576,012	262,905
Corporate bonds	258,924	200,394	776,942	607,601
Foreign bonds	41,318	21,601	93,964	35,979
Mortgage backed securities	593,737	563,384	1,933,777	1,690,299
Municipal securities	488,275	498,200	1,476,610	1,498,163
Federal funds sold	2,853	3,553	11,642	7,079
Other	293,179	303,100	941,570	895,099
Total interest income	31,346,934	30,753,324	93,960,129	80,246,381
Interest expense
Deposits	6,119,906	4,098,787	17,840,233	9,551,755
Borrowed funds	1,678,093	1,768,532	5,791,436	4,817,613
Total interest expense	7,797,999	5,867,319	23,631,669	14,369,368
Net interest income	23,548,935	24,886,005	70,328,460	65,877,013
Provision for loan losses	456,000	307,870	942,758	1,235,023
Net interest income after provision for loan losses	23,092,935	24,578,135	69,385,702	64,641,990
Non-interest income
Account service charges	709,302	728,550	2,049,185	2,028,013
Point of sale sponsorship program	688,188	711,577	1,925,005	1,385,079
Gain on sales or calls of investment securities	544,259		560,186
Earnings on bank owned life insurance	528,512	520,785	1,547,445	1,274,777
Gain (loss) on disposal of assets		(1,100)	32,599	13,266
Loss on write down of stock		(91,498)		(152,496)
Rental income	214,315	204,714	644,945	602,208
Income on marketable loans	990,474	411,850	2,329,160	1,342,201
Total non-interest income	4,057,497	2,805,335	10,078,048	7,788,407
Non-interest expense
Salaries and benefits	7,717,352	7,491,736	22,451,706	20,178,521
Occupancy and equipment	2,337,124	2,349,691	7,185,918	6,572,733
Data processing	782,593	659,926	2,270,503	1,971,747
FDIC insurance and State of Maryland assessments	62,535	278,109	571,151	786,506
Merger and integration		2,282,705		9,404,507
Core deposit premium amortization	654,046	663,685	1,961,631	1,516,734
Loss on sales of other real estate owned		26,266		80,738
OREO expense (income)	59,272	(99,957)	126,771	113,032
Directors fees	166,050	172,550	515,550	539,750
Network services	119,144	127,226	349,909	302,038
Other operating	2,715,009	2,441,331	7,678,720	6,539,421
Total non-interest expense	14,834,418	16,662,338	43,814,849	48,731,703
Income before income taxes	12,316,014	10,721,132	35,648,901	23,698,694
Income tax expense	3,131,785	2,456,303	9,048,418	6,642,850
Net income	$ 9,184,229	$ 8,264,829	$ 26,600,483	$ 17,055,844
Basic earnings per common share (in dollars per share)	$ 0.54	$ 0.49	$ 1.56	$ 1.12
Diluted earnings per common share (in dollars per share)	$ 0.54	$ 0.48	$ 1.55	$ 1.10
Financial Service, Other [Member]
Non-interest income
Income	$ 382,447	$ 320,457	$ 989,523	$ 1,295,359
Public Utilities [Member]
Non-interest expense
Telephone	$ 221,293	$ 269,070	$ 702,990	$ 725,976

Note 1 - Summary of Significant Accounting Policies (Details Textual) - USD ($)	Sep. 30, 2019	Jan. 01, 2019
Operating Lease, Right-of-Use Asset	$ 27,743,459
Operating Lease, Liability, Total	$ 28,276,343
Accounting Standards Update 2016-02 [Member]
Operating Lease, Right-of-Use Asset		$ 26,200,000
Operating Lease, Liability, Total		$ 26,500,000

Note 3 - Investment Securities - Amortized Cost and Fair Value (Details) - USD ($)	Sep. 30, 2019	Dec. 31, 2018
Amortized cost	$ 267,021,444	$ 227,334,141
Gross unrealized gains	2,938,706	248,143
Gross unrealized losses	(1,425,475)	(7,876,522)
Estimated fair value	268,534,675	219,705,762
Investment securities available for sale-at fair value	268,534,675	219,705,762
Gross unrealized gains	(2,938,706)	(248,143)
US Treasury Securities [Member]
Amortized cost	2,992,763	3,003,410
Gross unrealized gains	3,018
Gross unrealized losses		(10,910)
Estimated fair value	2,995,781	2,992,500
Investment securities available for sale-at fair value	2,995,781	2,992,500
Gross unrealized gains	(3,018)
US Government Agencies Debt Securities [Member]
Amortized cost	59,034,066	19,123,653
Gross unrealized gains	1,126,506
Gross unrealized losses	(23,138)	(517,475)
Estimated fair value	60,137,434	18,606,178
Investment securities available for sale-at fair value	60,137,434	18,606,178
Gross unrealized gains	(1,126,506)
Corporate Debt Securities [Member]
Amortized cost	18,611,304	18,615,768
Gross unrealized gains	387,435	227,691
Gross unrealized losses		(4,231)
Estimated fair value	18,998,739	18,839,228
Investment securities available for sale-at fair value	18,998,739	18,839,228
Gross unrealized gains	(387,435)	(227,691)
Foreign Debt Securities [Member]
Amortized cost	7,000,000	3,500,000
Gross unrealized gains	2,025	98
Gross unrealized losses	(17)
Estimated fair value	7,002,008	3,500,098
Investment securities available for sale-at fair value	7,002,008	3,500,098
Gross unrealized gains	(2,025)	(98)
US States and Political Subdivisions Debt Securities [Member]
Amortized cost	77,726,662	79,416,920
Gross unrealized gains	1,168,288	19,392
Gross unrealized losses	(382)	(2,147,608)
Estimated fair value	78,894,568	77,288,704
Investment securities available for sale-at fair value	78,894,568	77,288,704
Gross unrealized gains	(1,168,288)	(19,392)
Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member]
Amortized cost	17,009,957	19,079,921
Gross unrealized gains	19,704	962
Gross unrealized losses	(301,524)	(1,007,115)
Estimated fair value	16,728,137	18,073,768
Investment securities available for sale-at fair value	16,728,137	18,073,768
Gross unrealized gains	(19,704)	(962)
Federal National Mortgage Association Certificates and Obligations (FNMA) [Member]
Amortized cost	58,733,502	56,720,930
Gross unrealized gains	151,114
Gross unrealized losses	(945,451)	(3,062,170)
Estimated fair value	57,939,165	53,658,760
Investment securities available for sale-at fair value	57,939,165	53,658,760
Gross unrealized gains	(151,114)
Government National Mortgage Association Certificates and Obligations (GNMA) [Member]
Amortized cost	25,913,190	27,873,539
Gross unrealized gains	80,616
Gross unrealized losses	(154,963)	(1,127,013)
Estimated fair value	25,838,843	26,746,526
Investment securities available for sale-at fair value	25,838,843	26,746,526
Gross unrealized gains	$ (80,616)

Note 9 - Short Term Borrowings (Details Textual) - USD ($) $ in Thousands	Sep. 30, 2019	Dec. 31, 2018
Unsecured Debt, Total	$ 0	$ 0
Secured Debt, Repurchase Agreements	24,400	38,200
Federal Home Loan Bank, Advances, General Debt Obligations, Disclosures, Collateral Pledged	120,800
Secured Debt [Member] \| Federal Home Loan Bank of Atlanta [Member]
Federal Home Loan Bank, Advances, Maturities Summary, Due in Next Twelve Months, Total	$ 180,000	$ 190,000

Note 8 - Fair Value Measurement - Assets and Liabilities Measured on a Recurring Basis (Details) - USD ($)	Sep. 30, 2019	Dec. 31, 2018
Investment securities available for sale-at fair value	$ 268,534,675	$ 219,705,762
US Treasury Securities [Member]
Investment securities available for sale-at fair value	2,995,781	2,992,500
US Government Agencies Debt Securities [Member]
Investment securities available for sale-at fair value	60,137,434	18,606,178
Corporate Debt Securities [Member]
Investment securities available for sale-at fair value	18,998,739	18,839,228
Foreign Debt Securities [Member]
Investment securities available for sale-at fair value	7,002,008	3,500,098
US States and Political Subdivisions Debt Securities [Member]
Investment securities available for sale-at fair value	78,894,568	77,288,704
Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member]
Investment securities available for sale-at fair value	16,728,137	18,073,768
Federal National Mortgage Association Certificates and Obligations (FNMA) [Member]
Investment securities available for sale-at fair value	57,939,165	53,658,760
Government National Mortgage Association Certificates and Obligations (GNMA) [Member]
Investment securities available for sale-at fair value	25,838,843	26,746,526
Fair Value, Recurring [Member]
Investment securities available for sale-at fair value	268,535,000	219,706,000
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 1 [Member]
Investment securities available for sale-at fair value	2,996,000	2,993,000
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 2 [Member]
Investment securities available for sale-at fair value	239,538,000	194,374,000
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member]
Investment securities available for sale-at fair value	26,001,000	22,339,000
Fair Value, Recurring [Member] \| Fair Value, Inputs, Level 3 [Member] \| Changes Measurement [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| US Treasury Securities [Member]
Investment securities available for sale-at fair value	2,996,000	2,993,000
Fair Value, Recurring [Member] \| US Treasury Securities [Member] \| Changes Measurement [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| US Treasury Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Investment securities available for sale-at fair value	2,996,000	2,993,000
Fair Value, Recurring [Member] \| US Treasury Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| US Treasury Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| US Treasury Securities [Member] \| Fair Value, Inputs, Level 3 [Member] \| Changes Measurement [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| US Government Agencies Debt Securities [Member]
Investment securities available for sale-at fair value	60,137,000	18,606,000
Fair Value, Recurring [Member] \| US Government Agencies Debt Securities [Member] \| Changes Measurement [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| US Government Agencies Debt Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| US Government Agencies Debt Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Investment securities available for sale-at fair value	60,137,000	18,606,000
Fair Value, Recurring [Member] \| US Government Agencies Debt Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| US Government Agencies Debt Securities [Member] \| Fair Value, Inputs, Level 3 [Member] \| Changes Measurement [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| Corporate Debt Securities [Member]
Investment securities available for sale-at fair value	18,999,000	18,843,000
Fair Value, Recurring [Member] \| Corporate Debt Securities [Member] \| Changes Measurement [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| Corporate Debt Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| Corporate Debt Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| Corporate Debt Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Investment securities available for sale-at fair value	18,999,000	18,843,000
Fair Value, Recurring [Member] \| Corporate Debt Securities [Member] \| Fair Value, Inputs, Level 3 [Member] \| Changes Measurement [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| Foreign Debt Securities [Member]
Investment securities available for sale-at fair value	7,002,000	3,496,000
Fair Value, Recurring [Member] \| Foreign Debt Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| Foreign Debt Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| Foreign Debt Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Investment securities available for sale-at fair value	7,002,000	3,496,000
Fair Value, Recurring [Member] \| Foreign Debt Securities [Member] \| Fair Value, Inputs, Level 3 [Member] \| Changes Measurement [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| US States and Political Subdivisions Debt Securities [Member]
Investment securities available for sale-at fair value	78,895,000	77,289,000
Fair Value, Recurring [Member] \| US States and Political Subdivisions Debt Securities [Member] \| Fair Value, Inputs, Level 1 [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| US States and Political Subdivisions Debt Securities [Member] \| Fair Value, Inputs, Level 2 [Member]
Investment securities available for sale-at fair value	78,895,000	77,289,000
Fair Value, Recurring [Member] \| US States and Political Subdivisions Debt Securities [Member] \| Fair Value, Inputs, Level 3 [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| US States and Political Subdivisions Debt Securities [Member] \| Fair Value, Inputs, Level 3 [Member] \| Changes Measurement [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member]
Investment securities available for sale-at fair value	16,728,000	18,074,000
Fair Value, Recurring [Member] \| Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member] \| Fair Value, Inputs, Level 1 [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member] \| Fair Value, Inputs, Level 2 [Member]
Investment securities available for sale-at fair value	16,728,000	18,074,000
Fair Value, Recurring [Member] \| Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member] \| Fair Value, Inputs, Level 3 [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member] \| Fair Value, Inputs, Level 3 [Member] \| Changes Measurement [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| Federal National Mortgage Association Certificates and Obligations (FNMA) [Member]
Investment securities available for sale-at fair value	57,939,000	53,659,000
Fair Value, Recurring [Member] \| Federal National Mortgage Association Certificates and Obligations (FNMA) [Member] \| Fair Value, Inputs, Level 1 [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| Federal National Mortgage Association Certificates and Obligations (FNMA) [Member] \| Fair Value, Inputs, Level 2 [Member]
Investment securities available for sale-at fair value	57,939,000	53,659,000
Fair Value, Recurring [Member] \| Federal National Mortgage Association Certificates and Obligations (FNMA) [Member] \| Fair Value, Inputs, Level 3 [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| Federal National Mortgage Association Certificates and Obligations (FNMA) [Member] \| Fair Value, Inputs, Level 3 [Member] \| Changes Measurement [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| Government National Mortgage Association Certificates and Obligations (GNMA) [Member]
Investment securities available for sale-at fair value	25,839,000	26,746,000
Fair Value, Recurring [Member] \| Government National Mortgage Association Certificates and Obligations (GNMA) [Member] \| Fair Value, Inputs, Level 1 [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| Government National Mortgage Association Certificates and Obligations (GNMA) [Member] \| Fair Value, Inputs, Level 2 [Member]
Investment securities available for sale-at fair value	25,839,000	26,746,000
Fair Value, Recurring [Member] \| Government National Mortgage Association Certificates and Obligations (GNMA) [Member] \| Fair Value, Inputs, Level 3 [Member]
Investment securities available for sale-at fair value
Fair Value, Recurring [Member] \| Government National Mortgage Association Certificates and Obligations (GNMA) [Member] \| Fair Value, Inputs, Level 3 [Member] \| Changes Measurement [Member]
Investment securities available for sale-at fair value

Note 11 - Leases - Operating Lease Liability Maturity (Details)	Sep. 30, 2019 USD ($)
One year or less	$ 1,902,749
One to three years	4,080,198
Three to five years	4,238,506
Thereafter	18,501,545
Total undiscounted cash flows	28,722,998
Discount of cash flows	(446,655)
Lease liabilities	$ 28,276,343

Note 3 - Investment Securities - Unrealized Losses (Details) - USD ($)	Sep. 30, 2019	Dec. 31, 2018
Less than 12 months, fair value	$ 995,889	$ 31,316,095
Less than 12 months, unrealized losses	399	307,910
12 months or more, fair value	78,467,769	157,684,701
12 months or more, unrealized losses	1,425,076	7,568,612
Total, fair value	79,463,658	189,000,796
Total, unrealized losses	1,425,475	7,876,522
US Government Agencies Debt Securities [Member]
Less than 12 months, fair value		1,357,980
Less than 12 months, unrealized losses		26,795
12 months or more, fair value	3,922,889	15,288,957
12 months or more, unrealized losses	23,138	490,680
Total, fair value	3,922,889	16,646,937
Total, unrealized losses	23,138	517,475
US Treasury Securities [Member]
Less than 12 months, fair value		1,503,516
Less than 12 months, unrealized losses		1,313
12 months or more, fair value		1,488,984
12 months or more, unrealized losses		9,597
Total, fair value		2,992,500
Total, unrealized losses		10,910
Foreign Debt Securities [Member]
Less than 12 months, fair value	499,983
Less than 12 months, unrealized losses	17
12 months or more, fair value
12 months or more, unrealized losses
Total, fair value	499,983
Total, unrealized losses	17
US States and Political Subdivisions Debt Securities [Member]
Less than 12 months, fair value	495,906	13,707,759
Less than 12 months, unrealized losses	382	100,387
12 months or more, fair value		54,243,374
12 months or more, unrealized losses		2,047,221
Total, fair value	495,906	67,951,133
Total, unrealized losses	382	2,147,608
Corporate Debt Securities [Member]
Less than 12 months, fair value		2,995,769
Less than 12 months, unrealized losses		4,231
12 months or more, fair value
12 months or more, unrealized losses
Total, fair value		2,995,769
Total, unrealized losses		4,231
Federal Home Loan Mortgage Corporation Certificates and Obligations (FHLMC) [Member]
Less than 12 months, fair value		1,715,756
Less than 12 months, unrealized losses		26,062
12 months or more, fair value	15,124,875	16,293,413
12 months or more, unrealized losses	301,524	981,053
Total, fair value	15,124,875	18,009,169
Total, unrealized losses	301,524	1,007,115
Federal National Mortgage Association Certificates and Obligations (FNMA) [Member]
Less than 12 months, fair value		1,164,291
Less than 12 months, unrealized losses		11,023
12 months or more, fair value	47,004,928	52,494,470
12 months or more, unrealized losses	945,451	3,051,147
Total, fair value	47,004,928	53,658,761
Total, unrealized losses	945,451	3,062,170
Government National Mortgage Association Certificates and Obligations (GNMA) [Member]
Less than 12 months, fair value		8,871,024
Less than 12 months, unrealized losses		138,099
12 months or more, fair value	12,415,077	17,875,503
12 months or more, unrealized losses	154,963	988,914
Total, fair value	12,415,077	26,746,527
Total, unrealized losses	$ 154,963	$ 1,127,013

Note 8 - Fair Value Measurement (Details Textual) - Fair Value, Inputs, Level 3 [Member] $ in Millions	Sep. 30, 2019 USD ($)	Dec. 31, 2018 USD ($)
Assets, Fair Value Disclosure	$ 12.1	$ 7.5
Measurement Input, Discount Rate [Member] \| Minimum [Member]
Other Real Estate Owned, Measurement Input	0
Measurement Input, Discount Rate [Member] \| Maximum [Member]
Other Real Estate Owned, Measurement Input	0.5

Note 4 - Loans - Loans Modified as TDRs (Details)	3 Months Ended			9 Months Ended
Note 4 - Loans - Loans Modified as TDRs (Details)	Sep. 30, 2019 USD ($)	Sep. 30, 2018 USD ($)	Jun. 30, 2018 USD ($)	Sep. 30, 2019 USD ($)	Sep. 30, 2018 USD ($)
Number of contracts	0			0	1
Financial Asset Originated [Member] \| Residential Portfolio Segment [Member]
Number of contracts
Pre-modification outstanding recorded investment
Post-modification outstanding recorded investment
Financial Asset Originated [Member] \| Consumer Portfolio Segment [Member]
Number of contracts
Pre-modification outstanding recorded investment					$ 28,009
Post-modification outstanding recorded investment					$ 27,009

Document And Entity Information - shares	9 Months Ended
Document And Entity Information - shares	Sep. 30, 2019	Oct. 31, 2019
Document Information [Line Items]
Entity Registrant Name	OLD LINE BANCSHARES INC
Entity Central Index Key	0001253317
Trading Symbol	olbk
Current Fiscal Year End Date	--12-31
Entity Filer Category	Accelerated Filer
Entity Current Reporting Status	Yes
Entity Emerging Growth Company	false
Entity Small Business	false
Entity Common Stock, Shares Outstanding (in shares)		17,005,446
Entity Shell Company	false
Document Type	10-Q
Document Period End Date	Sep. 30, 2019
Document Fiscal Year Focus	2019
Document Fiscal Period Focus	Q3
Amendment Flag	false
Title of 12(b) Security	Common Stock, par value $0.01 per share

Consolidated Statements of Cash Flows (Unaudited) - USD ($)	9 Months Ended
	Sep. 30, 2019	Sep. 30, 2018
Cash flows from operating activities
Net income	$ 26,600,483	$ 17,055,844
Adjustments to reconcile net income to net cash provided by operating activities
Depreciation and amortization	2,379,624	2,334,125
Provision for loan losses	942,758	1,235,023
Change in deferred loan fees net of costs	(595,490)	(791,450)
Gain on sales or calls of securities	(560,186)
Amortization of premiums and discounts	547,518	636,357
Origination of loans held for sale	(120,463,317)	(77,092,451)
Proceeds from sale of loans held for sale	107,165,053	71,324,767
Loss on write down of stock		152,496
Loss on sales of other real estate owned		80,738
Gain on sale of fixed assets	(32,599)	(13,266)
Amortization of intangible assets	1,961,631	1,516,734
Deferred income taxes	286,390	278,439
Stock based compensation awards	1,000,138	872,284
Increase (decrease) in
Accrued interest payable	(391,858)	171,712
Income tax payable		(2,157,375)
Supplemental executive retirement plan	117,553	230,263
Other liabilities	(1,450,261)	(436,815)
Decrease (increase) in
Accrued interest receivable	(2,063)	(882,542)
Bank owned life insurance	(1,247,119)	(1,059,152)
Annuity plan	41,699	(316,818)
Income tax receivable	4,891,076	1,134,944
Other assets	(614,964)	(86,942)
Net cash provided by operating activities	20,576,066	14,186,915
Cash flows from investing activities
Cash and cash equivalents of acquired bank, net of cash consideration		21,617,611
Purchase of investment securities available for sale	(104,025,115)	(20,483,491)
Available for sale at maturity, call or paydowns	64,350,481	15,876,726
Available for sale sold		51,650,175
Loans made, net of principal collected	(62,921,587)	(141,256,263)
Purchase of bank owned life insurance		(8,500,000)
Proceeds from sale of other real estate owned		1,495,173
Change in equity securities	263,947	(1,745,803)
Purchase of premises and equipment	(1,828,077)	(1,093,079)
Proceeds from the sale of premises and equipment	32,599	13,266
Net cash used in investing activities	(104,127,752)	(82,425,685)
Cash flows from financing activities
Time deposits	2,269,821	245,116,710
Other deposits	115,027,070	(197,147,516)
Short term borrowing advances	1,305,000,000	1,389,200,000
Short term borrowing repayments	(1,328,806,184)	(1,350,377,081)
Long term borrowings	198,052	198,051
Proceeds from stock options exercised	48,931	783,615
Repurchase of stock through stock repurchase program	(1,556,634)
Cash dividends paid-common stock	(6,128,672)	(4,402,915)
Net cash provided by financing activities	86,052,384	83,370,864
Net increase in cash and cash equivalents	2,500,698	15,132,094
Cash and cash equivalents at beginning of period	44,500,618	35,174,111
Cash and cash equivalents at end of period	47,001,316	50,306,205
Supplemental Disclosure of Cash Flow Information:
Interest	24,023,527	14,197,656
Income taxes	5,750,804	7,600,000
Loans transferred to other real estate owned	209,124	1,041,079
Loans transferred to available for sale - BYBK acquisition		21,643,292
Initial recognition of right of use asset	26,395,472
Initial recognition of right of use liability	26,692,114
Fair value of assets acquired		650,194,375
Other intangible assets acquired		80,828,494
Fair value of liabilities assumed		(587,403,791)
Total merger consideration		$ 143,619,078